# 3 bedroom terraced house for sale (TQ13 8AZ) ## Property Details | Key | Value | |-----|-------| | Address | 20 LOWER STREET, NEWTON ABBOT, CHAGFORD, DEVON TQ13 8AZ | | Price | £285,000 | | Bedrooms | 3 | | Bathrooms | 1 | | Council tax | D | | Construction age | England and Wales: before 1900 | | Floor area | 101 m² | | Last sold | £290,000 Mar 2023 | ## EPC Rating & Upgrade Cost - **Current rating:** E - **Potential rating:** B - **Expiry date:** 31/03/2031 - **Current heating cost:** £1,239/year - **Est. upgrade cost to C:** £27,000 ### Recommendations - A3 (£1,500 - £2,700) - Q (£4,000 - £14,000) - W1 (£800 - £1,200) - D (£80 - £120) - G (£350 - £450) - N (£4,000 - £6,000) - O (£3,300 - £6,500) - U (£3,500 - £5,500) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0340-2579-7040-2209-8541) ## Description 20 Lower Street is a terraced stone built three storey house in need of refurbishment. It was re roofed just 3 years ago and it has gas fired central heating. There is a hall, sitting room, dining room and kitchen with larder on the ground floor and two bedrooms and a w.c. on the first floor. At the top of the house is a bathroom, a further bedroom and an eaves storeroom. To the rear is a brick and stone utility shed and a walled yard. This property must be viewed to see the level of works needed. ## Property Photos - ![Photo 14](/listings/photos/121693937/729523) - Photo 14 - ![Photo 14](/listings/photos/121693937/729525) - Photo 14 - ![Photo 3](/listings/photos/121693937/729540) - Photo 3 - ![Photo 4](/listings/photos/121693937/729543) - Photo 4 - ![Photo 6](/listings/photos/121693937/729549) - Photo 6 - ![Photo 8](/listings/photos/121693937/729555) - Photo 8 - ![Photo 5](/listings/photos/121693937/729561) - Photo 5 - ![Photo 10](/listings/photos/121693937/729570) - Photo 10 - ![Photo 11](/listings/photos/121693937/729576) - Photo 11 - ![Photo 14](/listings/photos/121693937/729581) - Photo 14 - ![Photo 12](/listings/photos/121693937/729585) - Photo 12 - ![Photo 13](/listings/photos/121693937/729587) - Photo 13 - ![Photo 7](/listings/photos/121693937/729590) - Photo 7 ## Floorplans - ![Floorplan 1](/listings/photos/121693937/729594) - Floorplan 1 ## EPC Graphs - ![Energy Performance Certificate](/listings/photos/121693937/729598) - Energy Performance Certificate ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 20 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £290,000 | 06/03/2023 | 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 | |---------|-------|------|------| | 29 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £200,000 | 01/05/2025 | Terraced | | ROWAN COTTAGE, 4 MOOR PARK, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8BY | £255,500 | 14/12/2023 | Terraced | | 7 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £322,000 | 12/06/2023 | Terraced | | 11 LAMB PARK, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8DN | £330,000 | 27/03/2023 | Terraced | | 15 TURNLAKE ROAD, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FF | £121,600 | 01/03/2023 | Terraced | | 31 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £285,000 | 14/12/2022 | Terraced | | 30 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £220,000 | 01/12/2022 | Terraced | | 31 ELLIS DRIVE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FN | £399,950 | 11/11/2022 | Terraced | | JUNIPER COTTAGE, 7 MOOR PARK, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8BY | £321,000 | 28/10/2022 | Terraced | | 4 ORCHARD TERRACE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AU | £850,000 | 20/10/2022 | Terraced | | 36 THE SQUARE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AB | £140,000 | 07/07/2022 | Terraced | | 5 BRETTEVILLE CLOSE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8DW | £240,000 | 24/06/2022 | Terraced | | 4 DRIFT WAY, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FT | £388,000 | 30/05/2022 | Terraced | | 2 DRIFT WAY, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FT | £378,000 | 27/05/2022 | Terraced | | 30 ORCHARD MEADOW, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8BP | £295,000 | 03/03/2022 | Terraced | | 10 THE SQUARE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AB | £330,000 | 28/02/2022 | Terraced | | 34 LOWER STREET, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8AZ | £216,000 | 01/02/2022 | Terraced | | 16 LAMB PARK, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8DN | £350,000 | 28/01/2022 | Terraced | | 23 ELLIS DRIVE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FN | £359,950 | 17/12/2021 | Terraced | | 21 ELLIS DRIVE, CHAGFORD, NEWTON ABBOT, WEST DEVON, DEVON, TQ13 8FN | £397,500 | 17/12/2021 | Terraced | **Area average:** £319,975 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £259,773 (22 Terraced, TQ13, 2024–2026) - **Deviation:** +9.7% ## Rental Range *ONS Price Index of Private Rents (West Devon). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £755/mo - **Realistic:** £839/mo - **Optimistic:** £923/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for South Devon (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £838/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 Flat, Chagford, TQ13 | £1,250/mo | 3 | 0.27 miles | OpenRent | **Average rent: £1,250/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.44% (weak for cashflow) - **Max investor price (0.8%):** £156,250 - **Target investor price (1%):** £125,000 *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 £1,250/mo).* - **Gross yield:** 5.3% - **Cost-to-rent:** 19× - **Monthly cashflow:** £-22/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -0.3% *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).* ## Price per Square Metre - **£/m²:** £2,822/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** -4.5% - **10y growth:** 25.8% ## House Price Index (HM Land Registry) *Official index for West Devon; Terraced series; as of March 2026.* - **1y growth (index):** 6.1% - **5y growth (index):** 19.8% - **10y growth (index):** 46% ## 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)