# 3 bedroom terraced house for sale (ST1 6NU)

## Property Details

| Key | Value |
|-----|-------|
| Address | 89 ACTON STREET, STOKE-ON-TRENT, STOKE-ON-TRENT, STOKE-ON-TRENT ST1 6NU |
| Price | £95,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 81 m² |
| Last sold | £14,000 Mar 1996 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 19/04/2036
- **Current heating cost:** £1,035/year
- **Est. upgrade cost to C:** £31,485

### Recommendations
- Q (£7,500 - £11,000)
- W2 (£5,000 - £10,000)
- G (£220 - £250)
- N (£4,000 - £7,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0390-2070-9640-2326-1165)

## Description

PRE-LET INVESTMENT GENERATING £650PCM- Tenanted since 2017 is this well-presented three bedroom terraced house situated in the popular area of Birches Head. The property, which offers a strong yield for its future owner, briefly comprises of; entrance hallway, dining room, lounge, kitchen, lobby, bathroom and three first floor bedrooms.

Externally, the property benefits from an enclosed rear yard with gated access to the rear.

**Local area**

Birches Head is a popular and established area within Stoke-on-Trent, renowned for its convenience with ease of access to local amenities and Hanley Town Centre.

EPC Rating: D

## Property Photos

- ![Front](/listings/photos/90865377/1270699) - Front
- ![Lounge](/listings/photos/90865377/1270700) - Lounge
- ![Kitchen](/listings/photos/90865377/1270701) - Kitchen
- ![Kitchen](/listings/photos/90865377/1270702) - Kitchen
- ![Bathroom](/listings/photos/90865377/1270703) - Bathroom
- ![Master bedroom](/listings/photos/90865377/1270704) - Master bedroom
- ![Master bedroom](/listings/photos/90865377/1270705) - Master bedroom
- ![Bedroom two](/listings/photos/90865377/1270706) - Bedroom two
- ![Bedroom three](/listings/photos/90865377/1270707) - Bedroom three
- ![Rear](/listings/photos/90865377/1270708) - Rear

## Floorplans

- ![All](/listings/photos/90865377/1270709) - All

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 89 ACTON STREET, STOKE-ON-TRENT, ST1 6NU | £14,000 | 06/03/1996 | 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 |
|---------|-------|------|------|
| 74 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LQ | £150,000 | 08/01/2026 | Terraced |
| 11 STEDMAN STREET, STOKE-ON-TRENT, ST1 2LR | £113,000 | 05/01/2026 | Terraced |
| 91 CAMPBELL TERRACE, STOKE-ON-TRENT, ST1 6LR | £115,000 | 19/12/2025 | Terraced |
| 38 CHORLTON ROAD, STOKE-ON-TRENT, ST1 6NG | £87,500 | 15/12/2025 | Terraced |
| 106 BARTHOMLEY ROAD, STOKE-ON-TRENT, ST1 6NJ | £85,000 | 05/12/2025 | Terraced |
| 140 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LN | £164,000 | 04/12/2025 | Terraced |
| 113 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LL | £75,000 | 22/08/2025 | Terraced |
| 138 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LN | £135,000 | 26/06/2025 | Terraced |
| 94 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LJ | £160,000 | 12/06/2025 | Terraced |
| 58 MOSTON STREET, STOKE-ON-TRENT, ST1 2LT | £44,000 | 28/03/2025 | Terraced |
| 54 CAMPBELL TERRACE, STOKE-ON-TRENT, ST1 6LS | £100,000 | 14/06/2024 | Terraced |
| 144 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6LN | £140,000 | 12/06/2024 | Terraced |
| 22 BARTHOMLEY ROAD, STOKE-ON-TRENT, ST1 6NR | £81,000 | 18/12/2023 | Terraced |
| 137 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6ND | £105,000 | 15/12/2023 | Terraced |
| 100 OAK STREET, STOKE-ON-TRENT, ST1 2NB | £76,500 | 05/12/2023 | Terraced |
| 53 HAMMERSLEY STREET, STOKE-ON-TRENT, ST1 6LP | £115,000 | 29/11/2023 | Terraced |
| 54 OAK STREET, STOKE-ON-TRENT, ST1 2NB | £82,000 | 02/11/2023 | Terraced |
| 46 BRADFORD TERRACE, STOKE-ON-TRENT, ST1 6LY | £102,000 | 30/10/2023 | Terraced |
| 141 BIRCHES HEAD ROAD, STOKE-ON-TRENT, ST1 6ND | £130,000 | 20/10/2023 | Terraced |
| 2 HAMMERSLEY STREET, STOKE-ON-TRENT, ST1 6LW | £100,000 | 02/10/2023 | Terraced |

**Area average:** £108,000 (20 sales)

## Price vs local average

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

- **Local average:** £101,707 (76 Terraced, ST1, 2024–2026)
- **Deviation:** -6.6%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £638/mo
- **Realistic:** £709/mo
- **Optimistic:** £780/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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 |
|------|------|------|------|------|
| [Milton Road, Sneyd Green, Stoke-on-Trent, ST1](http://87.117.209.195:8080/listings/2bd2c1c) | £800/mo | 3 | 0.59 miles | Rightmove |
| [Moxons Island, 48 Stafford Street, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/0cb1b74) | £525/mo | — | 0.78 miles | Rightmove |
| [The Webberley, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/2d1fe0f) | £620/mo | — | 0.8 miles | Rightmove |
| [Mowbray Walk, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/342504c) | £895/mo | 3 | 0.8 miles | Rightmove |
| [Tontine Street, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/b5ced70) | £600/mo | — | 0.83 miles | Rightmove |
| [Stafford Street, Stoke-on-Trent, ST1](http://87.117.209.195:8080/listings/a8431ae) | £575/mo | — | 0.85 miles | Rightmove |
| [Denbigh Street, Hanley](http://87.117.209.195:8080/listings/13cabfd) | £875/mo | 3 | 0.89 miles | Rightmove |
| [Shaw Street, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/f0b37d0) | £895/mo | 3 | 0.96 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/0a6b094) | £825/mo | — | 1.06 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8ba40b9) | £825/mo | — | 1.06 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8602134) | £875/mo | — | 1.06 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/1511edf) | £895/mo | — | 1.06 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/f8571c5) | £875/mo | — | 1.06 miles | Rightmove |
| [Waterlily Close, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/bf048f1) | £1,100/mo | 3 | 1.7 miles | Rightmove |

**Average rent: £799/mo (14 listings)**

## 1% Rule

- **Rent ratio:** 0.89% (okay)
- **Max investor price (0.8%):** £106,250
- **Target investor price (1%):** £85,000

*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 £850/mo).*

- **Gross yield:** 10.7%
- **Cost-to-rent:** 9.3×
- **Monthly cashflow:** £366/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 15.9%

*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:** £1,173/m²

## Capital growth trend

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

- **5y growth:** -2.3%
- **10y growth:** 19.6%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of April 2026.*

- **1y growth (index):** 4.8%
- **5y growth (index):** 25.7%
- **10y growth (index):** 63.3%

## 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)