# Detached house for sale (ST4 5AD)

## Property Details

| Key | Value |
|-----|-------|
| Address | Bankhouse, 1 and 2, Vinebank Street, Stoke, Stoke-On-Trent ST4 5AD |
| Price | £64,000 |

## Description

Auction House introduces this substantial site with a detached dwelling located within close proximity to the Royal Stoke Hospital, Town centre, M6 and A500 along with the mainline railway station.

Auction House introduces this substantial site with a detached dwelling located within close proximity to the Royal Stoke Hospital, Town centre, M6 and A500 along with the mainline railway station.

FOR SALE VIA ONLINE AUCTION ON MONDAY 25TH MAY AT 1PM UNTIL TUESDAY 26TH MAY AT 1PM.

CALL TO ARRANGE VIEWING

Auction House introduces this substantial site with a detached dwelling located within close proximity to the local hospital and town centre.

PLEASE NOTE No appliances have been tested by Auction House. Any measurements are approximate. We recommend any would be bidders conduct their own due diligence in good time prior to the auction taking place.

IMPORTANT INFORMATION Buying at auction is a contractual commitment, you are legally obliged to buy the lot on the terms of the sale memorandum at the price you bid. If you are the successful bidder, you are required to pay the deposit and auction fees immediately. As agent for the seller, we treat any failure to satisfy your obligations as your repudiation of the contract and the seller may then have a claim against you for breach of contract. You must not bid unless you wish to be bound by the common conditions of auction.

Any purchasers choosing to buy without viewing in person are doing so at their own risk and acknowledge that the auctioneer will not be held responsible for any issues that may arise due to them being unintentionally missed from the video or sales particulars.

**Tenure:** See Legal Pack

**Administration Fee:** £1800 inc VAT payable on exchange of contracts.

**Buyer's Premium Fee:** £1800 inc VAT payable on exchange of contracts.

**Disbursements:** Please see the legal pack for any disbursements listed that may become payable by the purchaser on completion.

## Property Photos

- ![7c13a2dd-40e1-4a28-8468-136bb46e9ea5 T202604281241.jpg](/listings/photos/87787929/300982) - 7c13a2dd-40e1-4a28-8468-136bb46e9ea5 T202604281241.jpg
- ![3a05ce45-ebcf-4ac1-a4cc-f498a0a1d015 T202604281241.jpg](/listings/photos/87787929/300986) - 3a05ce45-ebcf-4ac1-a4cc-f498a0a1d015 T202604281241.jpg
- ![C744d107-30ba-4772-822f-a842c2c7cf9a T202604281241.jpg](/listings/photos/87787929/300989) - C744d107-30ba-4772-822f-a842c2c7cf9a T202604281241.jpg
- ![Ab4b749e-7a78-408c-a0b9-9a4c331fa1ee T202604281241.jpg](/listings/photos/87787929/300991) - Ab4b749e-7a78-408c-a0b9-9a4c331fa1ee T202604281241.jpg
- ![948930cc-3542-479d-805f-112a9528869f T202604281241.jpg](/listings/photos/87787929/300993) - 948930cc-3542-479d-805f-112a9528869f T202604281241.jpg
- ![1974062f-4c2f-4d0d-9c4c-9c60eeaa561d T202604281241.jpg](/listings/photos/87787929/300995) - 1974062f-4c2f-4d0d-9c4c-9c60eeaa561d T202604281241.jpg
- ![Processed-C005B26D-F5B1-4B2A-AC12-AA8BDE4A3949 T202603031021.jpeg](/listings/photos/87787929/300997) - Processed-C005B26D-F5B1-4B2A-AC12-AA8BDE4A3949 T202603031021.jpeg
- ![Processed-A76D1E3E-88E3-4304-B177-56144378FC3C T202603031021.jpeg](/listings/photos/87787929/300999) - Processed-A76D1E3E-88E3-4304-B177-56144378FC3C T202603031021.jpeg
- ![Processed-5BB1F818-B96E-4FC6-8699-A98A2F2FF442 T202603031021.jpeg](/listings/photos/87787929/301002) - Processed-5BB1F818-B96E-4FC6-8699-A98A2F2FF442 T202603031021.jpeg
- ![Processed-5B70BB4C-C443-4225-8307-876377E1DBC9 T202603031021.jpeg](/listings/photos/87787929/301006) - Processed-5B70BB4C-C443-4225-8307-876377E1DBC9 T202603031021.jpeg
- ![Processed-67814B4B-313E-46A9-ACE4-2F4DD1070199 T202603031021.jpeg](/listings/photos/87787929/301009) - Processed-67814B4B-313E-46A9-ACE4-2F4DD1070199 T202603031021.jpeg
- ![Processed-1317FE15-6705-4BBC-A7C5-0986980BF059 T202603031021.jpeg](/listings/photos/87787929/301014) - Processed-1317FE15-6705-4BBC-A7C5-0986980BF059 T202603031021.jpeg

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 7 THE VILLAS, STOKE-ON-TRENT, ST4 5AQ | £450,000 | 20/03/2023 | Detached |
| 35 CHAMBERLAIN AVENUE, STOKE-ON-TRENT, ST4 5EN | £320,000 | 14/07/2022 | Detached |
| 17 TRENT VALLEY ROAD, STOKE-ON-TRENT, ST4 5JB | £215,000 | 16/07/2021 | Detached |

**Area average:** £328,333 (3 sales)

## Price vs local average

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

- **Local average:** £315,800 (25 Detached, ST4, 2024–2026)
- **Deviation:** -79.7%

## Rental Range

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

- **Low:** £637/mo
- **Realistic:** £708/mo
- **Optimistic:** £779/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| [Hunters Way, Stoke-On-Trent](http://87.117.209.195:8080/listings/1bb7798) | £795/mo | 2 | 0.09 miles | Rightmove |
| [Frank  Street, Stoke-on-Trent, ](http://87.117.209.195:8080/listings/d6a8ed1) | £750/mo | 2 | 0.09 miles | Rightmove |
| [Hunters Way, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/8cf1e4d) | £769/mo | 1 | 0.1 miles | Rightmove |
| [Frank Street, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/4d4e513) | £895/mo | 3 | 0.11 miles | Rightmove |
| [Chamberlain Avenue, Penkhull](http://87.117.209.195:8080/listings/086cc69) | £800/mo | 1 | 0.16 miles | Rightmove |
| [London Road, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/b460953) | £650/mo | 1 | 0.16 miles | Rightmove |
| [Boon Avenue, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/53f583e) | £850/mo | 3 | 0.19 miles | Rightmove |
| [Yeaman Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/5e129c0) | £625/mo | 1 | 0.21 miles | Rightmove |
| [Penkville Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/de80bf3) | £700/mo | 2 | 0.23 miles | Rightmove |
| [Shelburne Street West End Stoke-on-Trent](http://87.117.209.195:8080/listings/ed6b0e2) | £750/mo | 2 | 0.26 miles | Rightmove |
| [Fletcher Road, Stoke-On-Trent](http://87.117.209.195:8080/listings/f7b6ff6) | £775/mo | 2 | 0.29 miles | Rightmove |
| [Lowndes Close, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/83260c4) | £850/mo | 2 | 0.31 miles | Rightmove |
| [Newcastle Lane, Penkhull](http://87.117.209.195:8080/listings/175239d) | £675/mo | 1 | 0.32 miles | Rightmove |
| [Campbell Road, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/89298f5) | £700/mo | 2 | 0.34 miles | Rightmove |
| [Newcastle Lane, ST4](http://87.117.209.195:8080/listings/e474dc7) | £795/mo | 2 | 0.34 miles | Rightmove |
| [Campbell Road, 112 Campbell Road, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/0b75781) | £400/mo | 1 | 0.34 miles | Rightmove |
| [Boothen Road, Stoke-on-Trent](http://87.117.209.195:8080/listings/062a021) | £785/mo | 2 | 0.37 miles | Rightmove |
| [Selwyn Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/c87062e) | £700/mo | 2 | 0.4 miles | Rightmove |
| [Selwyn Street, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/8856566) | £700/mo | 2 | 0.4 miles | Rightmove |
| [Church Street, Stoke-On-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/7e4bc9b) | £700/mo | 1 | 0.41 miles | Rightmove |

**Average rent: £809/mo (118 listings)**

## 1% Rule

- **Rent ratio:** 1.17% (strong)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 14.1%
- **Cost-to-rent:** 7.1×
- **Monthly cashflow:** £398/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 25.7%

*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:** -5%
- **10y growth:** 39.9%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Detached series; as of March 2026.*

- **1y growth (index):** 1.2%
- **5y growth (index):** 23.3%
- **10y growth (index):** 57.2%

## 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)