Sold STC Flat

107 ST DAVIDS GROVE

LYTHAM ST ANNES, LANCASHIRE FY8 2QS

2 beds 1 baths Listed 1 Sep 2022 (-1418d)

£130,000

Offers in Excess of

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# 2 bedroom flat for sale (FY8 2QS)

## Property Details

| Key | Value |
|-----|-------|
| Address | 107 ST DAVIDS GROVE, LYTHAM ST ANNES, LANCASHIRE FY8 2QS |
| Price | £130,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £118,000 Jun 2023 |

## Description

This beautifully presented 2 bedroom ground floor flat is situated in the sought-after location of Lytham St. Annes. The home boasts two spacious bedrooms and a modern bathroom. It also benefits from an inviting, comfortable lounge which features a door opening out to the garden, perfect for relaxing. Also, downstairs is a brand new kitchen boasting an integrated oven. There is an allocated parking space. The communal garden boasts both a lawn and a patio area which is ideal for entertaining guests.

Tenure: Leasehold

Council Tax: B

Lease Remaining: 852

Current ground rent: £100.00 Per Year

Ground rent review period: every 0

Annual ground rent increase: 0%

## Property Photos

- ![Photo](/listings/photos/126587480/1310846)
- ![Photo](/listings/photos/126587480/1310848)
- ![Photo](/listings/photos/126587480/1310849)
- ![Photo](/listings/photos/126587480/1310851)
- ![Photo](/listings/photos/126587480/1310858)
- ![Photo](/listings/photos/126587480/1310859)
- ![Photo](/listings/photos/126587480/1310860)
- ![Photo](/listings/photos/126587480/1310861)
- ![Photo](/listings/photos/126587480/1310862)
- ![Photo](/listings/photos/126587480/1310863)
- ![Photo](/listings/photos/126587480/1310864)
- ![Photo](/listings/photos/126587480/1310865)
- ![Photo](/listings/photos/126587480/1310867)
- ![Photo](/listings/photos/126587480/1310873)
- ![Photo](/listings/photos/126587480/1310880)

## Floorplans

- ![Floorplan 1](/listings/photos/126587480/1310888) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/126587480/1310891) - EPC 1
- ![EPC 2](/listings/photos/126587480/1310892) - EPC 2
- ![EPC 3](/listings/photos/126587480/1310893) - EPC 3
- ![EPC 4](/listings/photos/126587480/1310894) - EPC 4
- ![EPC 5](/listings/photos/126587480/1310895) - EPC 5

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #782566
- **Address:** 107 St. Davids Grove, Lytham St. Annes, FY8 2QS
- **Certificate Issued:** 21/07/2003
- **Work Completed:** 14/05/2003
- **Items:** 1 window(s)

### FENSA Certificate #15955546
- **Address:** 107 St. Davids Grove, LYTHAM ST. ANNES, FY8 2QS
- **Certificate Issued:** 17/09/2023
- **Work Completed:** 25/08/2023
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 107 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QS | £118,000 | 09/06/2023 | 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 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR | £65,000 | 16/12/2022 | Flat |
| 27B CAVENDISH ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2PX | £157,500 | 30/09/2022 | Flat |
| REGENT COURT FLAT 10 CARYL ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QA | £116,000 | 15/08/2022 | Flat |
| 19 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR | £80,500 | 21/07/2022 | Flat |
| 44 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR | £80,500 | 21/07/2022 | Flat |
| 3 STAMFORD COURT, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QD | £98,000 | 11/03/2022 | Flat |
| 14 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR | £175,000 | 25/01/2022 | Flat |
| 3 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR | £63,500 | 16/11/2021 | Flat |

**Area average:** £104,500 (8 sales)

## Price vs local average

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

- **Local average:** £196,848 (67 Flat, FY8, 2024–2026)
- **Deviation:** -34%

## Rental Range

*ONS Price Index of Private Rents (Fylde). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £772/mo
- **Realistic:** £858/mo
- **Optimistic:** £944/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £541/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 Bungalow, Clifton Drive North, FY8 | £850/mo | 2 | 0.51 miles | OpenRent |
| 2 Bed Flat, Clifton Drive North, FY8 | £1,000/mo | 2 | 0.53 miles | OpenRent |
| 2 Bed Flat, Clifton Drive North, FY8 | £950/mo | 2 | 0.62 miles | OpenRent |

**Average rent: £933/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.73% (weak for cashflow)
- **Max investor price (0.8%):** £118,750
- **Target investor price (1%):** £95,000

*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 £950/mo).*

- **Gross yield:** 8.8%
- **Cost-to-rent:** 11.4×
- **Monthly cashflow:** £318/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 10.1%

*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:** -12.1%
- **10y growth:** 35%

## House Price Index (HM Land Registry)

*Official index for Fylde; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -3%
- **5y growth (index):** 2%
- **10y growth (index):** 12.7%

## 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)

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Property details

Tenure

LEASEHOLD

Last sold

£118,000 Jun 2023

Local average

£196,848 (-34%)

Deprivation

Decile 5 (13,904 of 33,755)

Street crime

183 incidents within 1 mile (May 2026)

Key features

Recently Refurbished
New Kitchen
Allocated Parking Space
Communal Garden
Sought After Location

Additional details

Heating: Electric
Parking: Allocated
Garden: Yes

Description

This beautifully presented 2 bedroom ground floor flat is situated in the sought-after location of Lytham St. Annes. The home boasts two spacious bedrooms and a modern bathroom. It also benefits from an inviting, comfortable lounge which features a door opening out to the garden, perfect for relaxing. Also, downstairs is a brand new kitchen boasting an integrated oven. There is an allocated parking space. The communal garden boasts both a lawn and a patio area which is ideal for entertaining guests.
Tenure: Leasehold
Council Tax: B
Lease Remaining: 852
Current ground rent: £100.00 Per Year
Ground rent review period: every 0
Annual ground rent increase: 0%

Listed by

Nationwide

Strike

Reference: 126587480

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

EPC 2

EPC 3

EPC 4

EPC 5

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #782566

Property Details

Street: 107 St. Davids Grove

Town: Lytham St. Annes

Postcode: FY8 2QS

Installation Details

Items: 1 window

Certificate Issued: 21/07/2003

Work Completed: 14/05/2003

This certificate data was retrieved from FENSA's database

FENSA Certificate #15955546 Recent

Property Details

Street: 107 St. Davids Grove

Town: LYTHAM ST. ANNES

Postcode: FY8 2QS

Installation Details

Items: 1 door

Certificate Issued: 17/09/2023

Work Completed: 25/08/2023

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	09/06/2023 (3 years ago)	£118,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
1 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR	£65,000	16/12/2022	Flat
27B CAVENDISH ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2PX	£157,500	30/09/2022	Flat
REGENT COURT FLAT 10 CARYL ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QA	£116,000	15/08/2022	Flat
19 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR	£80,500	21/07/2022	Flat
44 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR	£80,500	21/07/2022	Flat
3 STAMFORD COURT, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QD	£98,000	11/03/2022	Flat
14 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR	£175,000	25/01/2022	Flat
3 ST DAVIDS GROVE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 2QR	£63,500	16/11/2021	Flat

Area average: £104,500 (8 sales)

Capital growth trend

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

5y growth -12.1%

10y growth 35%

House Price Index (HM Land Registry — official index, not sold-price averages): Fylde. Series: Flats and maisonettes. As of April 2026.

1y (index) -3%

5y (index) 2%

10y (index) 12.7%

Rental Range

Estimated market rent for Fylde. Low = conservative, Realistic = average, Optimistic = best case.

Low £772/mo

Realistic £858/mo

Optimistic £944/mo

Based on Local Authority from postcode lookup → Fylde.

LHA (30th percentile) floor for Fylde Coast: £541/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View FY8 2QS

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	Go Local	0.1 miles
Shop	Tesco Express	0.1 miles
Bus stop	Unknown	0.2 miles
Train station	St Annes-on-the-Sea	0.6 miles
Train station	Unknown	1.0 miles
Hospital	Clifton Hospital	1.6 miles
Hospital	The Harbour	3.4 miles
University	Blackpool and The Fylde College	6.9 miles
University	Blackpool & The Fylde College, Fleetwood Nautical Campus	9.7 miles

Street-level crime

Category	Count
Violence and sexual offences	69
Anti-social behaviour	52
Criminal damage and arson	19
Shoplifting	13
Public order	10
Other theft	7
Burglary	3
Vehicle crime	3
Drugs	2
Other crime	2
Bicycle theft	1
Possession of weapons	1
Theft from the person	1
Total incidents	183

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Lytham St Annes Mayfield Primary School	Primary	0.3 miles	Good — 2 Mar 2022
Red Rose School	Other	0.5 miles	Inadequate — 11 Jan 2023
Poplar House School	Other	0.6 miles	Good — 30 Jul 2023
Heyhouses Endowed Church of England Primary School	Primary	0.7 miles	— (Inspected (no overall grade))
St Anne's College Grammar School	Other	0.9 miles	Requires improvement — 3 Mar 2024

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 Bungalow, Clifton Drive North, FY8	£850/mo	2	0.51 miles	OpenRent
2 Bed Flat, Clifton Drive North, FY8	£1,000/mo	2	0.53 miles	OpenRent
2 Bed Flat, Clifton Drive North, FY8	£950/mo	2	0.62 miles	OpenRent

Average rent: £933/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.73%

Max investor price (0.8%) £118,750

Target investor price (1%) £95,000

Gross yield 8.8%

Cost-to-rent ratio 11.4×

Monthly cashflow £318/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 10.1%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus 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).