# 2 bedroom terraced house for sale (MK43 9TA)

## Property Details

| Key | Value |
|-----|-------|
| Address | 53 GEORGIAN CROFT, BEDFORD, STEWARTBY, BEDFORD MK43 9TA |
| Price | £285,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | C |
| Floor area | 74 m² |
| Last sold | £239,000 Sep 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Expiry date:** 31/08/2030
- **Current heating cost:** £197/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0578-3819-7616-2800-1465)

## Description

A great opportunity to buy this immaculately presented two double bedroom terrace home located on the popular Hansons Reach development by Persimmon homes in 2020, with 7 years to run on the NHBC. This has been well maintained throughout with smart touches and finishes and is ready to move in. Features include a cloakroom, large 27ft living room creating a great social space with an access door out onto the rear garden. The kitchen area has been upgraded from new via permission and features a integrated fridge freezer and washer/dryer. There are two large double bedrooms and a fitted three piece family bathroom. Outside there are two parking spaces and an landscaped enclosed rear garden.

Stewartby is a village that is steeped in history originally built for the workers of the London brick company. The village was designed and built to the plans of their architect. There is a train station which is on the Marston Vale line with Marston Vale Millenium park being located in nearby Marston. There is also a post office in the village, Broadmead lower school and a new Sixth form college which opened in 2013 and a new pre-school is being built. There is also a park which has a zip wire and slides. There are excellent road links with good access to the A421 bypass and being a 10 min drive to the M1.

Disclaimer: Please note we do not test any fixtures, fittings, apparatus or services. Any interested parties should undertake their own investigation into the working order of these items. All measurements provided are approximate and photos are provided for guidance only. Potential buyers are advised to re-check the measurements before committing to any expense. Potential buyers are advised to check and confirm the EPC, estate management charges and council tax before committing to any expense. Floorplans are for illustration purposes only. Cooper Wallace do not verify the legal title of the property and the potential buyers should obtain verification from their solicitors committing to any expense.

## Property Photos

- ![Front](/listings/photos/142830494/1320587) - Front
- ![Living Room](/listings/photos/142830494/1320589) - Living Room
- ![Living Room](/listings/photos/142830494/1320590) - Living Room
- ![Rear Garden](/listings/photos/142830494/1320591) - Rear Garden
- ![Living Room](/listings/photos/142830494/1320592) - Living Room
- ![Living Room](/listings/photos/142830494/1320593) - Living Room
- ![Living Room](/listings/photos/142830494/1320598) - Living Room
- ![Cloakroom](/listings/photos/142830494/1320605) - Cloakroom
- ![Rear Garden](/listings/photos/142830494/1320612) - Rear Garden
- ![Bedroom One](/listings/photos/142830494/1320616) - Bedroom One
- ![Bedroom Two](/listings/photos/142830494/1320619) - Bedroom Two
- ![Family Bathroom](/listings/photos/142830494/1320621) - Family Bathroom
- ![Rear Garden](/listings/photos/142830494/1320623) - Rear Garden
- ![Front](/listings/photos/142830494/1320625) - Front

## Floorplans

- ![Floorplan 1](/listings/photos/142830494/1320627) - Floorplan 1

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 53 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £239,000 | 30/09/2020 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 35 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £332,500 | 03/10/2025 | Terraced |
| 73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £337,000 | 01/08/2025 | Terraced |
| 69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £335,000 | 07/12/2023 | Terraced |
| 2 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN | £265,000 | 31/07/2023 | Terraced |
| 20 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF | £256,000 | 30/06/2023 | Terraced |
| 2 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF | £255,000 | 02/02/2023 | Terraced |
| 14 HEATHER MEAD, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9TD | £480,000 | 19/12/2022 | Terraced |
| 8 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF | £264,000 | 11/11/2022 | Terraced |
| 10 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF | £280,000 | 28/10/2022 | Terraced |
| 8 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN | £280,000 | 02/09/2022 | Terraced |
| 25 HEREWOOD GREEN, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9SZ | £407,400 | 28/06/2022 | Terraced |
| 39 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ | £407,400 | 31/05/2022 | Terraced |
| 23 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ | £407,400 | 27/05/2022 | Terraced |
| 6 THE PASTURES, STEWARTBY, BEDFORD, MK43 9NZ | £165,000 | 13/05/2022 | Terraced |
| [Same street] 25 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £407,400 | 04/02/2022 | Detached |
| 14 HEATHER MEAD, STEWARTBY, BEDFORD, MK43 9TD | £407,400 | 22/12/2021 | Terraced |
| [Same street] 23 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £407,400 | 30/11/2021 | Detached |
| 23 OXFORD BLUE WAY, STEWARTBY, BEDFORD, MK43 9GF | £290,000 | 14/10/2021 | Terraced |
| 73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £283,000 | 25/08/2021 | Terraced |
| 69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £288,000 | 20/08/2021 | Terraced |
| 71 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £283,000 | 20/08/2021 | Terraced |

**Street average:** £407,400 (2 sales)
**Area average:** £317,005 (19 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £292,677 (29 Terraced, MK43, 2024–2026)
- **Deviation:** -2.6%

## Rental Range

*ONS Price Index of Private Rents (Central Bedfordshire). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,122/mo
- **Realistic:** £1,247/mo
- **Optimistic:** £1,372/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Bedford (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £823/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Bedford Road, MK45 | £1,100/mo | 2 | 1.29 miles | OpenRent |

**Average rent: £1,100/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.39% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,100/mo).*

- **Gross yield:** 4.6%
- **Cost-to-rent:** 21.6×
- **Monthly cashflow:** £-157/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.3%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £3,851/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 2.6%
- **10y growth:** 22%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Terraced series; as of April 2026.*

- **1y growth (index):** 4.4%
- **5y growth (index):** 19.1%
- **10y growth (index):** 37.2%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)