# 4 bedroom detached house for sale (IP5 1JZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 40 ST AGNES WAY, IPSWICH, KESGRAVE, SUFFOLK IP5 1JZ |
| Price | £420,000 |
| Bedrooms | 4 |
| Bathrooms | 4 |
| Last sold | £420,000 Mar 2025 |

## Description

In popular OLD KESGRAVE, is this DETACHED, FOUR BEDROOM FAMILY HOME with PRIVATE SOUTH-FACING rear GARDEN and GARAGE. Accommodation comprises, sitting room, kitchen, dining room, conservatory and downstairs cloakroom, with four bedrooms, one with an en-suite shower room and family bathroom upstairs.

## Property Photos

- ![Photo](/listings/photos/152621051/422159)
- ![Photo](/listings/photos/152621051/422160)
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- ![Photo](/listings/photos/152621051/422164)
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- ![Photo](/listings/photos/152621051/422166)
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- ![Photo](/listings/photos/152621051/422168)
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- ![Photo](/listings/photos/152621051/422170)
- ![Photo](/listings/photos/152621051/422171)
- ![Photo](/listings/photos/152621051/422172)
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- ![Photo](/listings/photos/152621051/422174)
- ![Photo](/listings/photos/152621051/422175)
- ![Photo](/listings/photos/152621051/422176)
- ![Photo](/listings/photos/152621051/422177)

## Floorplans

- ![Floorplan 1](/listings/photos/152621051/422178) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/152621051/422179) - EPC 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #16959137
- **Address:** 40 St. Agnes Way, Kesgrave, IP5 1JZ
- **Certificate Issued:** 14/09/2025
- **Work Completed:** 05/09/2025
- **Items:** 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 40 ST AGNES WAY, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1JZ | £420,000 | 24/03/2025 | Detached |
| 40 ST AGNES WAY, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1JZ | £415,000 | 02/12/2022 | 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] 35 ST AGNES WAY, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1JZ | £440,000 | 05/12/2023 | Detached |
| 3 THE BACKS, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1BW | £510,000 | 01/12/2023 | Detached |
| [Same street] 52 ST AGNES WAY, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1JZ | £330,000 | 29/11/2023 | Detached |
| [Same street] 8 ST AGNES WAY, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1JZ | £328,500 | 24/05/2022 | Semi-detached |
| 85 PENZANCE ROAD, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1LE | £325,000 | 14/12/2021 | Detached |
| 30 MENDIP DRIVE, RUSHMERE ST ANDREW, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1AU | £465,000 | 02/08/2021 | Detached |
| 98 PENZANCE ROAD, KESGRAVE, IPSWICH, EAST SUFFOLK, SUFFOLK, IP5 1LE | £420,000 | 30/06/2021 | Detached |

**Street average:** £366,167 (3 sales)
**Area average:** £430,000 (4 sales)

## Price vs local average

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

- **Local average:** £415,754 (42 Detached, IP5, 2024–2026)
- **Deviation:** +1%

## Rental Range

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

- **Low:** £749/mo
- **Realistic:** £832/mo
- **Optimistic:** £915/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,097/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 |
|------|------|------|------|------|
| 4 Bed Terraced House, Spindler Close, IP5 | £1,395/mo | 4 | 1.11 miles | OpenRent |

**Average rent: £1,395/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £174,375
- **Target investor price (1%):** £139,500

*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 £1,395/mo).*

- **Gross yield:** 4%
- **Cost-to-rent:** 25.1×
- **Monthly cashflow:** £-424/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.2%

*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:** 12.9%
- **10y growth:** 43.9%

## House Price Index (HM Land Registry)

*Official index for East Suffolk; Detached series; as of March 2026.*

- **1y growth (index):** 0.4%
- **5y growth (index):** 11.6%
- **10y growth (index):** 34.5%

## 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)