# 2 bedroom terraced house for sale (MK43 9TA) ## Property Details | Key | Value | |-----|-------| | Address | 45 GEORGIAN CROFT, BEDFORD, STEWARTBY, BEDFORD MK43 9TA | | Price | £290,000 | | Bedrooms | 2 | | Bathrooms | 3 | | Council tax | C | | Last sold | £228,000 Aug 2020 | ## EPC Rating & Upgrade Cost - **Current rating:** B - **Potential rating:** A - **Expiry date:** 03/08/2030 - **Current heating cost:** £190/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/0448-4004-7358-7410-3260) ## 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. ## Property Photos - ![Picture No. 02](/listings/photos/169209161/1320594) - Picture No. 02 - ![Picture No. 11](/listings/photos/169209161/1320595) - Picture No. 11 - ![Picture No. 08](/listings/photos/169209161/1320596) - Picture No. 08 - ![Picture No. 04](/listings/photos/169209161/1320597) - Picture No. 04 - ![Picture No. 06](/listings/photos/169209161/1320599) - Picture No. 06 - ![Picture No. 12](/listings/photos/169209161/1320600) - Picture No. 12 - ![Picture No. 05](/listings/photos/169209161/1320601) - Picture No. 05 - ![Picture No. 16](/listings/photos/169209161/1320602) - Picture No. 16 - ![Picture No. 17](/listings/photos/169209161/1320603) - Picture No. 17 - ![Picture No. 18](/listings/photos/169209161/1320604) - Picture No. 18 - ![Picture No. 13](/listings/photos/169209161/1320606) - Picture No. 13 - ![Picture No. 14](/listings/photos/169209161/1320607) - Picture No. 14 - ![Picture No. 15](/listings/photos/169209161/1320608) - Picture No. 15 - ![Picture No. 03](/listings/photos/169209161/1320609) - Picture No. 03 - ![Picture No. 07](/listings/photos/169209161/1320610) - Picture No. 07 - ![Picture No. 10](/listings/photos/169209161/1320611) - Picture No. 10 - ![Picture No. 09](/listings/photos/169209161/1320613) - Picture No. 09 ## Floorplans - ![Floorplan](/listings/photos/169209161/1320614) - Floorplan ## EPC Graphs - ![EPC Rating Graph](/listings/photos/169209161/1320617) - EPC Rating Graph ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 45 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £228,000 | 21/08/2020 | Terraced | ## 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 | | 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) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £292,677 (29 Terraced, MK43, 2024–2026) - **Deviation:** -0.9% ## 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 | 1.24 miles | OpenRent | **Average rent: £1,100/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.38% (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:** 22× - **Monthly cashflow:** £-177/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -2.5% *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:** £4,462/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:** 23.4% ## 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)