Sold STC Detached

86 UNION STREET EAST

STOWMARKET, SUFFOLK IP14 1HP

3 beds 2 baths Listed 8 Jan 2026 (-194d)

£325,000

Guide Price

Save

# 3 bedroom detached house for sale (IP14 1HP)

## Property Details

| Key | Value |
|-----|-------|
| Address | 86 UNION STREET EAST, STOWMARKET, SUFFOLK IP14 1HP |
| Price | £325,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | C |
| Last sold | £320,000 Mar 2026 |

## Description

A superbly presented detached Grade II listed period house situated within walking distance of the town centre of Stowmarket and close to the railway station giving excellent access to London Liverpool Street and beyond. The property offers many period features including exposed timber beams and inglenook fireplace with wood burning stove.  The property enjoys spacious living accommodation with many period features including large sitting room with inglenook fireplace, split level kitchen/dining room, cloakroom, boot room, 3 bedrooms with en suite bathroom to master and separate shower room.  The property has gas fired central heating, and a fabulous outside space comprising a studio and a covered seating area. The property also benefits from a Garage & off road parking for two further vehicles.  Viewing is highly recommended.

## Property Photos

- ![Kitchen/Dining Room](/listings/photos/87437652/1312467) - Kitchen/Dining Room
- ![Sitting Room](/listings/photos/87437652/1312468) - Sitting Room
- ![Garden](/listings/photos/87437652/1312469) - Garden
- ![Bedroom](/listings/photos/87437652/1312470) - Bedroom
- ![Studio](/listings/photos/87437652/1312471) - Studio
- ![Bedroom](/listings/photos/87437652/1312472) - Bedroom
- ![Bedroom](/listings/photos/87437652/1312473) - Bedroom
- ![Bathroom](/listings/photos/87437652/1312474) - Bathroom
- ![Cloakroom](/listings/photos/87437652/1312475) - Cloakroom
- ![Kitchen/Dining Room](/listings/photos/87437652/1312476) - Kitchen/Dining Room
- ![Sitting Room](/listings/photos/87437652/1312477) - Sitting Room
- ![Shower Room](/listings/photos/87437652/1312478) - Shower Room
- ![Hall](/listings/photos/87437652/1312479) - Hall
- ![Cloakroom](/listings/photos/87437652/1312480) - Cloakroom
- ![Boot Room](/listings/photos/87437652/1312481) - Boot Room
- ![Study area](/listings/photos/87437652/1312482) - Study area
- ![Inglenook](/listings/photos/87437652/1312483) - Inglenook
- ![Kitchen](/listings/photos/87437652/1312484) - Kitchen
- ![Studio](/listings/photos/87437652/1312485) - Studio
- ![Seating Room](/listings/photos/87437652/1312486) - Seating Room
- ![Driveway & Garage](/listings/photos/87437652/1312487) - Driveway & Garage
- ![Rear.jpg](/listings/photos/87437652/1312488) - Rear.jpg
- ![Front .png](/listings/photos/87437652/1312489) - Front .png

## Floorplans

- ![Floorplan](/listings/photos/87437652/1312490) - Floorplan

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 86 UNION STREET EAST, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HP | £320,000 | 13/03/2026 | Detached |
| 86 UNION STREET EAST, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HP | £186,000 | 07/04/2017 | Detached |
| 86 UNION STREET EAST, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HP | £220,000 | 24/03/2009 | 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 |
|---------|-------|------|------|
| 2 FAIRFIELD HILL, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1NG | £305,000 | 29/07/2022 | Detached |
| 7 CHURCH WALK, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1ET | £295,000 | 05/05/2022 | Detached |
| 4 TYDEMANS COURT, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HS | £295,000 | 16/12/2021 | Detached |
| 101 - 103 BURY STREET, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HD | £280,000 | 03/09/2021 | Detached |

**Area average:** £293,750 (4 sales)

## Price vs local average

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

- **Local average:** £387,036 (73 Detached, IP14, 2024–2026)
- **Deviation:** -16%

## Rental Range

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

- **Low:** £895/mo
- **Realistic:** £994/mo
- **Optimistic:** £1,093/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Central Norfolk & Norwich (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £798/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 |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Thirlmere Drive, IP14 | £1,250/mo | 3 | 0.83 miles | OpenRent |

**Average rent: £1,250/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.38% (weak for cashflow)
- **Max investor price (0.8%):** £156,250
- **Target investor price (1%):** £125,000

*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 £1,250/mo).*

- **Gross yield:** 4.6%
- **Cost-to-rent:** 21.7×
- **Monthly cashflow:** £-180/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).*

## Capital growth trend

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

- **5y growth:** -12.6%
- **10y growth:** 24%

## House Price Index (HM Land Registry)

*Official index for Mid Suffolk; Detached series; as of April 2026.*

- **1y growth (index):** 4.7%
- **5y growth (index):** 11.5%
- **10y growth (index):** 31.2%

## 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)

Kitchen/Dining Room Sitting Room Garden Bedroom Studio Bedroom Bedroom Bathroom Cloakroom Kitchen/Dining Room Sitting Room Shower Room Hall Cloakroom Boot Room Study area Inglenook Kitchen Studio Seating Room Driveway & Garage Rear.jpg Front .png

/ 23

Property details

Tenure

FREEHOLD

Council tax band

Last sold

£320,000 Mar 2026

Local average

£387,036 (-16%)

Deprivation

Decile 5 (16,381 of 33,755)

Street crime

111 incidents within 1 mile (May 2026)

Key features

GRADE II LISTED DETACHED PERIOD HOUSE
WALKING DISTANCE OF THE TOWN CENTRE
MANY PERIOD FEATURES INCLUDING EXPOSED TIMBERS & INGLENOOK FIREPLACE
BEAUTIFULLY PRESENTED
HALL, CLOAKROOM, BOOT ROOM
SITTING ROOM, KITCHEN/DINING ROOM
THREE BEDROOMS, SHOWER ROOM & BATHROOM
STUDIO WITH CLOAKROOM
GARAGE & PARKING FOR TWO CARS

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Driveway
Garden: Yes

Description

A superbly presented detached Grade II listed period house situated within walking distance of the town centre of Stowmarket and close to the railway station giving excellent access to London Liverpool Street and beyond. The property offers many period features including exposed timber beams and inglenook fireplace with wood burning stove. The property enjoys spacious living accommodation with many period features including large sitting room with inglenook fireplace, split level kitchen/dining room, cloakroom, boot room, 3 bedrooms with en suite bathroom to master and separate shower room. The property has gas fired central heating, and a fabulous outside space comprising a studio and a covered seating area. The property also benefits from a Garage & off road parking for two further vehicles. Viewing is highly recommended.

Listed by

Stowmarket

Maxwell Brown

Reference: 87437652

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

Price history

45% since 2009

Event	Date	Price	% change
Sold	13/03/2026 (4 months ago)	£320,000	+72%
Sold	07/04/2017 (9 years ago)	£186,000	-15.5%
Sold	24/03/2009 (17 years ago)	£220,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
2 FAIRFIELD HILL, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1NG	£305,000	29/07/2022	Detached
7 CHURCH WALK, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1ET	£295,000	05/05/2022	Detached
4 TYDEMANS COURT, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HS	£295,000	16/12/2021	Detached
101 - 103 BURY STREET, STOWMARKET, MID SUFFOLK, SUFFOLK, IP14 1HD	£280,000	03/09/2021	Detached

Area average: £293,750 (4 sales)

Capital growth trend

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

5y growth -12.6%

10y growth 24%

House Price Index (HM Land Registry — official index, not sold-price averages): Mid Suffolk. Series: Detached. As of April 2026.

1y (index) 4.7%

5y (index) 11.5%

10y (index) 31.2%

Rental Range

Estimated market rent for Mid Suffolk. Low = conservative, Realistic = average, Optimistic = best case.

Low £895/mo

Realistic £994/mo

Optimistic £1,093/mo

Based on Local Authority from postcode lookup → Mid Suffolk.

LHA (30th percentile) floor for Central Norfolk & Norwich: £798/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View IP14 1HP

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	Unique	0.0 miles
Shop	Frobisher Hair Designs	0.0 miles
Bus stop	Railway Station	0.1 miles
Bus stop	Stowmarket Railway Station	0.1 miles
Train station	Stowmarket	0.1 miles
Train station	Needham Market	3.6 miles
University	Suffolk Rural Campus (Suffolk New College)	9.9 miles
Hospital	Hartismere Hospital	11.0 miles
University	University of Suffolk	11.9 miles

Street-level crime

Category	Count
Violence and sexual offences	52
Public order	16
Criminal damage and arson	11
Shoplifting	9
Anti-social behaviour	7
Drugs	7
Other theft	3
Bicycle theft	1
Burglary	1
Other crime	1
Possession of weapons	1
Theft from the person	1
Vehicle crime	1
Total incidents	111

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Chilton Community Primary School	Primary	0.4 miles	Good — 12 Jan 2018
Abbot's Hall Community Primary School	Primary	0.5 miles	Good — 1 Mar 2018
Cedars Park Community Primary School	Primary	0.7 miles	Good — 27 Sep 2023
Stowmarket High School	Secondary	0.7 miles	Requires improvement — 14 Mar 2023
Wood Ley Community Primary School	Primary	0.8 miles	Good — 5 Apr 2011

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
3 Bed Semi-Detached House, Thirlmere Drive, IP14	£1,250/mo	3	0.83 miles	OpenRent

Average rent: £1,250/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.38%

Max investor price (0.8%) £156,250

Target investor price (1%) £125,000

Gross yield 4.6%

Cost-to-rent ratio 21.7×

Monthly cashflow £-180/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.3%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus 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).

Download brochure