# 2 bedroom flat for sale (YO23 1LX) ## Property Details | Key | Value | |-----|-------| | Address | 10A, ST CHADS WHARF, YORK, YORK YO23 1LX | | Price | £365,000 | | Bedrooms | 2 | | Bathrooms | 2 | | Council tax | E | | Last sold | £351,000 Jan 2026 | ## EPC Rating & Upgrade Cost - **Current rating:** B - **Potential rating:** B - **Expiry date:** 10/07/2034 - **Current heating cost:** £441/year [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4900-3999-0022-3398-3343) ## Description Bishops Personal Agents offer for sale a stylish two-bedroom, first floor apartment, situated in the very quiet location of St Chads Wharf, just off Bishopthorpe Road. Just a short stroll from the thriving "Bishy Road" high street, Rowntree Park, the Racecourse and river side walks to the York City centre. This lovely apartment, which has fabulous views out towards the riverside and offering the best in quiet suburban living, will be incredibly popular with a multitude of buyers, including, couples, commuters, professionals who work in York and those looking to retire. The accommodation briefly comprises; On entering the apartment through a private entrance hall, with a handy storage cupboard, we find the spacious living room, with sliding doors opening to the Juliete balcony, letting in lots of natural light and views out towards the riverside. French doors, open into the kitchen area, with a range of white fitted units, matching work surfaces over, plus a full range of built-in appliances. There is also ample space for a table and chairs. We also find two double bedrooms, both with built in wardrobes and the principal bedroom, with and its own stylish en-suite. The contemporary bathroom suite completes the apartment. This apartment itself, is accessed through a block paved courtyard, with its own allocated parking space, plus there is secure cycle storage and visitors parking. Perfectly positioned, set in immaculate communal gardens, with a pathway, leading down to the riverside, where you can walk into town or further up the river into the village of Bishopthorpe. St. Chads Wharf is a leasehold apartment with the owners each taking a share of their own management company. In summary, set within this fantastic development, providing a unique opportunity to enjoy life in this peaceful corner of a beautiful and vibrant city and will also particularly appeal to those for whom location within this popular area is crucial and easy access to the York City centre and station. Sold with no onward chain! An early viewing is highly recommended not to miss out! ## Property Photos - ![Photo 13](/listings/photos/162450986/739810) - Photo 13 - ![Photo 27](/listings/photos/162450986/739811) - Photo 27 - ![Photo 42](/listings/photos/162450986/739812) - Photo 42 - ![Photo 36](/listings/photos/162450986/739813) - Photo 36 - ![Photo 37](/listings/photos/162450986/739814) - Photo 37 - ![Photo 32](/listings/photos/162450986/739815) - Photo 32 - ![Photo 39](/listings/photos/162450986/739816) - Photo 39 - ![Photo 17](/listings/photos/162450986/739817) - Photo 17 - ![Photo 20](/listings/photos/162450986/739818) - Photo 20 - ![Photo 21](/listings/photos/162450986/739819) - Photo 21 - ![Photo 18](/listings/photos/162450986/739820) - Photo 18 - ![Photo 23](/listings/photos/162450986/739821) - Photo 23 - ![Photo 35](/listings/photos/162450986/739822) - Photo 35 - ![Photo 27](/listings/photos/162450986/739823) - Photo 27 - ![Photo 34](/listings/photos/162450986/739824) - Photo 34 - ![Photo 30](/listings/photos/162450986/739825) - Photo 30 - ![Photo 33](/listings/photos/162450986/739826) - Photo 33 - ![Photo 34](/listings/photos/162450986/739827) - Photo 34 - ![Photo 11](/listings/photos/162450986/739828) - Photo 11 - ![Photo 2](/listings/photos/162450986/739829) - Photo 2 - ![Photo 12](/listings/photos/162450986/739830) - Photo 12 - ![Photo 8](/listings/photos/162450986/739831) - Photo 8 - ![Photo 9](/listings/photos/162450986/739832) - Photo 9 - ![Photo 3](/listings/photos/162450986/739833) - Photo 3 - ![Photo 44](/listings/photos/162450986/739834) - Photo 44 - ![Photo 43](/listings/photos/162450986/739835) - Photo 43 ## Floorplans - ![Floorplan 1](/listings/photos/162450986/739836) - Floorplan 1 ## EPC Graphs - ![Energy Performance Certificate](/listings/photos/162450986/739837) - Energy Performance Certificate ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 10A ST CHADS WHARF, YORK, YO23 1LX | £351,000 | 20/01/2026 | Flat | | 10A ST CHADS WHARF, YORK, YO23 1LX | £249,950 | 31/03/2010 | Flat | | 10A ST CHADS WHARF, YORK, YO23 1LX | £151,995 | 25/05/2000 | Flat | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | THISTLE HOUSE 7 JOSEPH TERRY GROVE, YORK, YO23 1FP | £245,000 | 17/12/2025 | Flat | | THE RESIDENCE APARTMENT 332 BISHOPTHORPE ROAD, YORK, YO23 1FF | £239,000 | 01/12/2025 | Flat | | TERRYS MEWS APARTMENT 8 BISHOPTHORPE ROAD, YORK, YO23 1PG | £273,000 | 14/11/2025 | Flat | | 14B ST CHADS WHARF, YORK, YO23 1LX | £400,000 | 16/09/2025 | Flat | | THE RESIDENCE APARTMENT 317 BISHOPTHORPE ROAD, YORK, YO23 1FF | £450,000 | 22/08/2025 | Flat | | THE RESIDENCE APARTMENT 310 BISHOPTHORPE ROAD, YORK, YO23 1FF | £437,500 | 19/12/2023 | Flat | | THE RESIDENCE APARTMENT 328 BISHOPTHORPE ROAD, YORK, YO23 1FF | £245,000 | 08/11/2023 | Flat | | TERRYS MEWS APARTMENT 19 BISHOPTHORPE ROAD, YORK, YO23 1PG | £285,000 | 13/10/2023 | Flat | | CAROUSEL HOUSE 25 JOSEPH TERRY GROVE, YORK, YO23 1FJ | £340,000 | 14/06/2023 | Flat | | 14B ST CHADS WHARF, YORK, YO23 1LX | £380,000 | 13/06/2023 | Flat | | ASH HOUSE 7 BISHOPTHORPE ROAD, YORK, YO23 1LU | £290,000 | 17/03/2023 | Flat | | THE RESIDENCE APARTMENT 514 BISHOPTHORPE ROAD, YORK, YO23 1FF | £1,270,775 | 28/02/2023 | Flat | | THE CLOCK TOWER FLAT 18 BISHOPTHORPE ROAD, YORK, YO23 1DE | £380,000 | 23/12/2022 | Flat | | THE CLOCK TOWER FLAT 22 BISHOPTHORPE ROAD, YORK, YO23 1DE | £599,950 | 22/12/2022 | Flat | | RIVERSIDE LODGE 3 BISHOPTHORPE ROAD, YORK, YO23 1LJ | £395,000 | 21/12/2022 | Flat | | THE CLOCK TOWER FLAT 19 BISHOPTHORPE ROAD, YORK, YO23 1DE | £740,000 | 20/12/2022 | Flat | | BAYLDON HOUSE 7 JOSEPH TERRY GROVE, YORK, YO23 1PZ | £200,000 | 07/10/2022 | Flat | | TERRYS MEWS APARTMENT 17 BISHOPTHORPE ROAD, YORK, YO23 1PG | £290,000 | 04/10/2022 | Flat | | THE CLOCK TOWER FLAT 2 BISHOPTHORPE ROAD, YORK, YO23 1DE | £400,000 | 30/09/2022 | Flat | | THE RESIDENCE APARTMENT 316 BISHOPTHORPE ROAD, YORK, YO23 1FF | £425,000 | 23/09/2022 | Flat | **Area average:** £414,261 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £275,848 (13 Flat, YO23, 2024–2026) - **Deviation:** +32.3% ## Rental Range *ONS Price Index of Private Rents (York). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £1,064/mo - **Realistic:** £1,182/mo - **Optimistic:** £1,300/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for York (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £773/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 | |------|------|------|------|------| | 2 Bed Flat, Joseph Terry Grove, YO23 | £1,450/mo | 2 | 0.17 miles | OpenRent | | 2 Bed Terraced House, Derwent Road, YO10 | £1,515/mo | 2 | 0.52 miles | OpenRent | | 2 Bed Terraced House, Colenso Street, YO23 | £1,200/mo | 2 | 0.69 miles | OpenRent | **Average rent: £1,388/mo (3 listings)** ## 1% Rule - **Rent ratio:** 0.4% (weak for cashflow) - **Max investor price (0.8%):** £181,250 - **Target investor price (1%):** £145,000 *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 £1,450/mo).* - **Gross yield:** 4.8% - **Cost-to-rent:** 21× - **Monthly cashflow:** £-157/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -1.8% *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:** £4,345/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 12.6% - **10y growth:** -5.9% ## House Price Index (HM Land Registry) *Official index for York; Flats and maisonettes series; as of March 2026.* - **1y growth (index):** -1.3% - **5y growth (index):** 5% - **10y growth (index):** 23.6% ## 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)