# 3 bedroom bungalow for sale (MK45 5DL) ## Property Details | Key | Value | |-----|-------| | Address | 14 HOLMEWOOD ROAD, BEDFORD, GREENFIELD, CENTRAL BEDFORDSHIRE MK45 5DL | | Price | £500,000 | | Bedrooms | 3 | | Bathrooms | 1 | | Council tax | D | | Construction age | England and Wales: 1967-1975 | | Floor area | 93 m² | | Last sold | £495,000 Aug 2025 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** B - **Expiry date:** 16/11/2032 - **Current heating cost:** £521/year - **Est. upgrade cost to C:** £14,520 ### Recommendations - W2 (£4,000 - £6,000) - E (£20) - N (£4,000 - £6,000) - U (£3,500 - £5,500) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9634-3922-1209-6112-1200) ## Description This well presented semi-detached bungalow is situated in a rarely available cul de sac just yards from open countryside and enjoys a generous size south/westerly facing rear garden. The property has been improved and updated over recent years by the current owners and benefits from versatile living accommodation that briefly comprises; a spacious entrance hall, a living room with feature inset electric fire, two double bedrooms, a further double bedroom/dining room, a 4th bedroom/office, a re-fitted modern shower room with walk-in shower cubicle, a modern kitchen with extensive granite effect worktops, a useful utility room and additional cloakroom, and a spacious conservatory that overlooks the rear garden. Further benefits include double glazed windows throughout, gas central heating and solid wood flooring in the living room, dining room and entrance hall. Outside the rear garden is south/westerly facing and is mostly laid to lawn with a brick paved patio seating area, fenced boundaries with gated side access, two garden sheds, a summerhouse, established flower bed borders and fruit trees. The front aspect has an extensive brick paved driveway providing off road parking for several vehicles and with ample space for a motorhome or caravan. The single garage has power and light as well as a door accessing the conservatory. There is additional sheltered storage with garage door adjacent to the garage - ideal for a motorbike or mobility scooter. An ideal property for those looking to downsize or those who require accommodation on one level in a semi-rural environment. LOVE HOMES DISCLAIMER: These particulars are set out as a general outline in accordance with the Property Misdescriptions Act (1991) only for the guidance of intending purchasers or lessees, and do not constitute any part of an offer or contract. Details are given without any responsibility, and any intending purchasers, lessees or third parties should not rely on them as statements or representations of fact but must satisfy themselves by inspection or otherwise as to the correctness of each of them. We have not carried out a structural survey and the services, appliances and specific fittings have not been tested. All photographs, measurements, floor plans and distances referred to are given as a guide only and should not be relied upon for the purchase of carpets or any other fixtures or fittings. Gardens, roof terraces, balconies and communal gardens as well as tenure and lease details cannot have their accuracy guaranteed for intending purchasers. Lease details, service ground rent (where applicable) are given as a guide only and should be checked and confirmed by your solicitor prior to exchange of contracts. No person in the employment of Love Homes has any authority to make any representation or warranty whatever in relation to this property. Purchase prices, rents or other prices quoted are correct at the date of publication and, unless otherwise stated, are exclusive of VAT. Intending purchasers and lessees must satisfy themselves independently as to the incidence of VAT in respect of any transaction relating to this property. We retain the copyright in all advertising material used to market this Property. ## Property Photos - ![Photo](/listings/photos/156509999/647300) - ![Photo](/listings/photos/156509999/647301) - ![Photo](/listings/photos/156509999/647302) - ![Photo](/listings/photos/156509999/647303) - ![Photo](/listings/photos/156509999/647306) - ![Photo](/listings/photos/156509999/647307) - ![Photo](/listings/photos/156509999/647308) - ![Photo](/listings/photos/156509999/647309) - ![Photo](/listings/photos/156509999/647310) - ![Photo](/listings/photos/156509999/647314) - ![Photo](/listings/photos/156509999/647317) - ![Photo](/listings/photos/156509999/647321) - ![Photo](/listings/photos/156509999/647323) ## Floorplans - ![Floorplan 1](/listings/photos/156509999/647326) - Floorplan 1 ## EPC Graphs - ![EPC 1](/listings/photos/156509999/647329) - EPC 1 ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #13830100 - **Address:** 14 Holmewood Road, Greenfield, MK45 5DL - **Certificate Issued:** 03/11/2019 - **Work Completed:** 22/10/2019 - **Items:** 1 door(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 14 HOLMEWOOD ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DL | £495,000 | 07/08/2025 | Semi-detached | | 14 HOLMEWOOD ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DL | £325,000 | 03/07/2015 | Semi-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 | |---------|-------|------|------| | 1 OAK DRIVE, PULLOXHILL, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5EQ | £652,000 | 12/12/2025 | Detached | | AUTUMN HOUSE PULLOXHILL ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5ES | £850,000 | 12/09/2025 | Detached | | WILLOW BARN, 39 HIGH STREET, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DD | £1,260,000 | 26/06/2025 | Detached | | 3A SCHOOL LANE, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DE | £545,000 | 29/11/2023 | Detached | | [Same street] 4 HOLMEWOOD ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DL | £5,000 | 20/10/2023 | Other | | 70 HIGH STREET, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DB | £1,425,000 | 20/10/2023 | Detached | | 25 MILL LANE, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DG | £275,000 | 23/08/2023 | Detached | | 2 MOORLAND CLOSE, FLITTON, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DQ | £675,000 | 23/08/2023 | Detached | | ASPEN HOUSE, 37 HIGH STREET, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DD | £1,300,000 | 23/03/2023 | Detached | | 1 EATON MEWS, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5FB | £750,000 | 13/12/2022 | Detached | | 7 PULLOXHILL ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5ES | £700,000 | 01/12/2022 | Detached | | 16 OAK DRIVE, PULLOXHILL, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5EQ | £612,500 | 05/10/2022 | Detached | | 14 BEECH CLOSE, PULLOXHILL, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5EP | £660,501 | 26/08/2022 | Detached | | THE STABLES HIGH STREET, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DD | £685,000 | 23/06/2022 | Detached | | 5 MOORLAND CLOSE, FLITTON, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DQ | £725,000 | 16/06/2022 | Detached | | STRAWBERRY FIELDS GREENFIELD ROAD, PULLOXHILL, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5EY | £820,000 | 29/03/2022 | Detached | | 3 MOORLAND CLOSE, FLITTON, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DQ | £625,000 | 23/03/2022 | Detached | | 46 FLITTON ROAD, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DJ | £800,000 | 01/02/2022 | Detached | | 73 HIGH STREET, GREENFIELD, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DB | £725,000 | 25/01/2022 | Detached | | 6 MOORLAND CLOSE, FLITTON, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5DQ | £680,000 | 17/12/2021 | Detached | | 21 MAPLE CLOSE, PULLOXHILL, BEDFORD, CENTRAL BEDFORDSHIRE, MK45 5EF | £648,750 | 30/09/2021 | Detached | **Street average:** £5,000 (1 sale) **Area average:** £770,688 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £628,318 (90 Detached, MK45, 2024–2026) - **Deviation:** -20.4% ## Rental Range *ONS Price Index of Private Rents (Central Bedfordshire). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £1,118/mo - **Realistic:** £1,242/mo - **Optimistic:** £1,366/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Bedford (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £997/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 Semi-Detached House, Wardhedges Road, MK45 | £2,050/mo | 3 | 0.83 miles | OpenRent | **Average rent: £2,050/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.41% (weak for cashflow) - **Max investor price (0.8%):** £256,250 - **Target investor price (1%):** £205,000 *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 £2,050/mo).* - **Gross yield:** 4.9% - **Cost-to-rent:** 20.3× - **Monthly cashflow:** £-149/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -1.2% *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).* ## Price per Square Metre - **£/m²:** £5,376/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 16.7% - **10y growth:** 39.9% ## House Price Index (HM Land Registry) *Official index for Central Bedfordshire; Detached series; as of March 2026.* - **1y growth (index):** 2.9% - **5y growth (index):** 20.4% - **10y growth (index):** 35.8% ## 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)