# 3 bedroom detached bungalow for sale (SG6 3HL)

## Property Details

| Key | Value |
|-----|-------|
| Address | 33 GERNON ROAD, LETCHWORTH GARDEN CITY, HERTFORDSHIRE SG6 3HL |
| Price | £550,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Last sold | £245,000 Dec 2012 |

## Description

A particularly spacious THREE bedroom early Garden City detached bungalow having been the subject of a comprehensive programme of modernisation and refurbishment -sympathetically improved but still retaining much of the original charm and character!    

Property ref: 121_306_4426141

## Property Photos

- ![Photo](/listings/photos/66844793/556496)
- ![Photo](/listings/photos/66844793/556500)
- ![Photo](/listings/photos/66844793/556505)
- ![Photo](/listings/photos/66844793/556509)
- ![Photo](/listings/photos/66844793/556515)
- ![Photo](/listings/photos/66844793/556519)
- ![Photo](/listings/photos/66844793/556524)
- ![Photo](/listings/photos/66844793/556528)
- ![Photo](/listings/photos/66844793/556530)
- ![Photo](/listings/photos/66844793/556535)

## Floorplans

- ![Floorplan 1](/listings/photos/66844793/556538) - Floorplan 1

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #10133365
- **Address:** 33 Gernon Road, LETCHWORTH GARDEN CITY, SG6 3HL
- **Certificate Issued:** 03/03/2014
- **Work Completed:** 01/02/2014
- **Items:** 1 door(s)

### FENSA Certificate #9627304
- **Address:** 33 Gernon Road, LETCHWORTH GARDEN CITY, SG6 3HL
- **Certificate Issued:** 24/06/2013
- **Work Completed:** 14/06/2013
- **Items:** 12 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 GERNON ROAD, LETCHWORTH GARDEN CITY, NORTH HERTFORDSHIRE, HERTFORDSHIRE, SG6 3HL | £245,000 | 21/12/2012 | 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 |
|---------|-------|------|------|
| [Same street] TEELING COURT APARTMENT 5 GERNON ROAD, LETCHWORTH GARDEN CITY, NORTH HERTFORDSHIRE, HERTFORDSHIRE, SG6 3HL | £350,000 | 17/03/2023 | Flat |
| [Same street] TEELING COURT APARTMENT 2 GERNON ROAD, LETCHWORTH GARDEN CITY, NORTH HERTFORDSHIRE, HERTFORDSHIRE, SG6 3HL | £250,000 | 10/03/2023 | Flat |
| [Same street] TEELING COURT APARTMENT 8 GERNON ROAD, LETCHWORTH GARDEN CITY, NORTH HERTFORDSHIRE, HERTFORDSHIRE, SG6 3HL | £252,000 | 16/02/2023 | Flat |

**Street average:** £284,000 (3 sales)

## Price vs local average

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

- **Local average:** £607,781 (16 Detached, SG6, 2024–2026)
- **Deviation:** -9.5%

## Rental Range

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

- **Low:** £1,274/mo
- **Realistic:** £1,415/mo
- **Optimistic:** £1,557/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Stevenage & North Herts (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,247/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 End Terrace, Swanstand, SG6 | £1,350/mo | 3 | 1.22 miles | OpenRent |

**Average rent: £1,350/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.25% (weak for cashflow)
- **Max investor price (0.8%):** £168,750
- **Target investor price (1%):** £135,000

*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 £1,350/mo).*

- **Gross yield:** 2.9%
- **Cost-to-rent:** 34×
- **Monthly cashflow:** £-976/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -7.3%

*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:** -26.3%
- **10y growth:** 27.6%

## House Price Index (HM Land Registry)

*Official index for North Hertfordshire; Detached series; as of March 2026.*

- **1y growth (index):** 0.4%
- **5y growth (index):** 15.7%
- **10y growth (index):** 31.7%

## 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)