Sold STC Terraced

45 GEORGIAN CROFT

BEDFORD, STEWARTBY, BEDFORD MK43 9TA

2 beds 3 baths 65 m² Listed 11 Nov 2025 (-252d)

£290,000

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Property details

Tenure

FREEHOLD

Floor area

65 m²

Council tax band

C

EPC rating

B

Last sold

£228,000 Aug 2020

Price per m²

£4,462/m²

Local average

£292,677 (-0.9%)

Street crime

13 incidents within 1 mile (May 2026)

Key features

  • Superb two bedroom terraced home offering sleek, stylish interiors
  • Useful cloakroom
  • Contemporary kitchen/diner with various integrated appliances & overlooking the garden
  • 14'8ft by 10'9ft living room
  • Master bedroom with stylish en-suite
  • Further good sized bedroom served by a bathroom
  • Two allocated parking spaces
  • Attractive rear garden

Additional details

Parking
Allocated
Garden
Yes

Description

This superb two bedroom terraced home occupies an attractive position within this sought after development and offers well proportioned, stylish accommodation finished to an exceptionally high standard.

Approach to the home is via a hard standing frontage providing allocated parking for two vehicles, complemented by mature greenery that adds a splash of colour. Once inside, you’re greeted by an inviting entrance hall with stairs directly ahead leading to the first floor, as well as a useful cloakroom. To the left hand side sits the principal reception room, the living room, which measures an impressive 14’8” by 10’9” and allows for flexible furniture placement. It has been decorated in neutral tones, with a large window to the front elevation ensuring the space is filled with natural daylight.

To the rear of the home, spanning its full width, is a beautifully presented kitchen/dining room fitted with a range of contemporary floor and wall units, complemented by contrasting darker work surfaces. Several integrated appliances have been seamlessly incorporated, while to the far end, ample space is available for a dining table and chairs, creating the perfect area for both family living and entertaining. French doors and a window open directly onto the garden.

Upstairs, the first-floor landing leads to all rooms. The master bedroom, positioned to the front, benefits from its own en-suite comprising a shower enclosure, low-level WC and wash hand basin, finished with modern tiling. The second bedroom, located to the rear and measuring 14’0” by 7’0”, is served by the family bathroom, which includes a panelled bath with shower unit and glass screen over, low-level WC and pedestal wash hand basin.

Externally, the rear garden is of a generous size and features a paved patio area, ideal for relaxing or entertaining, with the remainder laid to lawn and enclosed by timber fencing for a good degree of privacy.

The village of Stewartby is located off the southern bypass (A421) between the major town of Bedford and City of Milton Keynes. Commuter Links into London St Pancras from Bedford take approximately 40 minutes and from the Milton Keynes platform direct into Euston take as little as 35 minutes. Road links are also accessible, J13 M1, is less than a ten minute drive. The village itself offers local amenities to include a convenience store, social club and Stewartby Lakes which offer a variety of water sports. The Forest Centre and Millennium Country Park are also within close proximity to the property in the neighbouring village of Marston Moretaine. Further and more substantial amenities can be found in Georgian market town of Ampthill which is just a five minute drive away, offering a selection of small individually owned shops, hairdressers and a Waitrose Store.

Listed by

Ampthill

Urban & Rural Property Services

Reference: 169209161

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 04/08/2020

Expiry date: 03/08/2030

Current heating cost: £190/year

Potential heating cost: £190/year

Est. upgrade cost to C: £9,500

Recommendations

  • Solar water heating (£4,000 - £6,000)
  • Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

Floorplan

EPC Graphs

EPC Rating Graph

EPC Rating Graph

Price history

Event Date Price % change
Listed for sale £290,000 +27.2%
Sold 21/08/2020 (5 years ago) £228,000

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
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
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
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
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
73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR £283,000 25/08/2021 Terraced
71 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR £283,000 20/08/2021 Terraced
69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR £288,000 20/08/2021 Terraced

Street average: £407,400 (2 sales)

Area average: £347,085 (13 sales)

Capital growth trend

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

5y growth 2.6%
10y growth 23.4%

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

1y (index) 4.4%
5y (index) 19.1%
10y (index) 37.2%

Rental Range

Estimated market rent for Central Bedfordshire. Low = conservative, Realistic = average, Optimistic = best case.

Low £1,122/mo
Realistic £1,247/mo
Optimistic £1,372/mo

Based on Local Authority from postcode lookup → Central Bedfordshire.

LHA (30th percentile) floor for Bedford: £823/mo (Apr 2025 – Mar 2026)

Location

Nearby

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

Type Name Distance
Bus stop Stewartby Turn 0.6 miles
Train station Stewartby 0.8 miles
Bus stop How End Bus Stop 1.0 miles
Shop Houghton Conquest Stores & PO 1.3 miles
Train station Kempston Hardwick 1.4 miles
Shop Sainsbury's Local 1.7 miles
Hospital Bedford Hospital SDEC - Same Day Emergency Care 4.1 miles
Hospital The Manor 4.6 miles
University University of Bedfordshire Polhill Campus 5.5 miles
University University of Bedfordshire 5.8 miles

Street-level crime

Category Count
Violence and sexual offences 8
Anti-social behaviour 1
Burglary 1
Other crime 1
Shoplifting 1
Vehicle crime 1
Total incidents 13

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
Broadmead Lower School Primary 0.4 miles Good — 17 Sep 2023
Marston Vale Middle School Primary 0.5 miles (Inspected (no overall grade))
Kimberley 16 - 19 Stem College Other 1.0 miles (No rating)
Houghton Conquest Lower School Primary 1.3 miles Good — 1 Jul 2024
Wixams Academy Secondary 1.8 miles Requires improvement — 9 Jun 2024

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 1.24 miles OpenRent

Average rent: £1,100/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.38%
Max investor price (0.8%) £137,500
Target investor price (1%) £110,000
Gross yield 4.6%
Cost-to-rent ratio 22×
Monthly cashflow £-177/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term
Cash-on-cash ROI -2.5%
  • 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).