# 3 bedroom semi-detached house for sale (MK45 3BA)

## Property Details

| Key | Value |
|-----|-------|
| Address | 121 HIGH ROAD, BEDFORD, COTTON END, BEDFORD MK45 3BA |
| Price | £355,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | C |
| Last sold | £355,000 Mar 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 11/11/2034
- **Current heating cost:** £940/year
- **Est. upgrade cost to C:** £18,500

### Recommendations
- Q (£4,000 - £14,000)
- 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/9300-2662-9490-2894-5315)

## Description

New to the market in the highly desirable village of Cotton End, near Bedford. This delightful three bedroom semi-detached home has been thoughtfully improved and tastefully extended. Downstairs features a spacious entrance hall with downstairs shower room, utility room, sitting room and a large, modern open-plan kitchen / dining space with bi-folding doors opening onto the rear garden. 

Upstairs features three good-sized bedrooms and a high specification modern family bathroom. Externally, the property benefits from a sunny garden and patio, driveway, garage, office and workshop / store room. Heaps of outbuilding / storage space make this the ideal family home and perfect for those who need additional space for work, exercise or hobbies. An Internal viewings highly recommended to appreciate all this beautiful and unique home has to offer.

**Entrance Hall** - Providing access to all ground floor accommodation with a composite door and double glazed window to the side. Wood laminate flooring. Vertical radiator. Stairs rising to the first floor accommodation.

**Utility Room** - Fitted to comprise a range of base level units with solid wood work surfaces over. Shelves as fitted. Space and plumbing for a washing machine. Tiled splash back area.

**Shower Room** - Recently refitted to comprise a w/c with concealed cistern. Wash hand basin and vanity unit. Shower enclosure with shower over. Part tiled walls and tiled floor. Extractor. Bluetooth speak built within mirror.

**Kitchen / Dining Room** - A great open plan rear aspect living space that provides the perfect setting for the family to relax, entertain and enjoy. The kitchen area is tastefully fitted to comprise a range of wall, drawer and base level units with solid wood work surfaces over. Drainer sink unit. Integrated gas hob with extractor hood over. Integrated eye level double oven. Integrated 60 / 40 fridge freezer, dish washer and bin drawer. Corner kidney base level pull out larger with further full length pull out larder unit. Breakfast island with storage under. Double glazed window to the side. Bi-folding doors to the rear garden. Wood laminate flooring. Inset spot lights to the ceiling. Built in bluetooth speakers to ceiling.

**Sitting Room** - Feature fireplace with lined chimney and space for a wood burner. Double glazed window to the front aspect. Radiator. Wood laminate flooring. Wall mounted TV point with hidden power/ariel/hdmi cable for installation.

**Bedroom One** - A good sized rear aspect room with a double glazed window to the rear aspect. Radiator. Fitted carpet.

**Bedroom Two** - Double glazed window to the front aspect with far reaching open field views. Fitted wardrobes. Radiator. New fitted carpet.

**Bedroom Three** - Double glazed window to the side. Cupboard housing the wall mounted combi boiler. Radiator. New fitted carpet. Coved and textured ceiling.

**Bathroom** - Tastefully fitted to comprise a w/c. Pedestal wash hand basin. Panelled bath and shower enclosure with rain effect shower over and a hand held shower attachment. Inset spot lights to the ceiling. Part tiled walls. Double glazed window to the side aspect. Extractor.

**To The Front** - Small low maintenance garden with brick retaining wall.

**Driveway** - Proving off-road parking for multiple vehicles and onward access to the garage. Boundary fencing and lockable gate with access to the rear of the property.

**Garage** - With up and over door. Light and power. Double glazed window and door to the side.

**Store / Workshop** - Set adjacent to the garage this space has a vast scope to convert into another office or if converted in conjunction with the garage and office / hobby room could offer potential for a larger work space or annexe.

**Office / Hobby Room** - Extensively converted and fully insulated with double glazed door and window to the side. Wood laminate flooring. Power and WiFi.

**Rear Garden** - Laid mostly to lawn with a patio area at the end of the garden. Gated pedestrian access to the front and rear of the garden. Boundary fencing. Outside tap. Feature external lighting. Well positioned with sun all day.

**Nb** - Services and appliances have not been tested.

**Viewing** - By appointment through Bradshaws.

**Disclaimer** - These details have been prepared by Warren Lightfoot and the statements contained therein represent his honest personal opinions on the condition of this home. No type of survey has been carried out and therefore no guarantee can be provided in the structure, fixtures and fittings, or services. Where heating systems, gas water or electric appliances are installed. We would like to point out that their working conditions has not been checked. Measurements are taken with Sonic or cloth tape and should not be relied upon for the ordering of carpets or associated goods as accuracy cannot be guaranteed (although they are with a 3" differential.)

## Property Photos

- ![To the Front](/listings/photos/153069902/1293270) - To the Front
- ![Kitchen / Dining Room](/listings/photos/153069902/1293271) - Kitchen / Dining Room
- ![Rear Garden](/listings/photos/153069902/1293272) - Rear Garden
- ![Sitting Room](/listings/photos/153069902/1293273) - Sitting Room
- ![Entrance Hall](/listings/photos/153069902/1293274) - Entrance Hall
- ![Utility Room](/listings/photos/153069902/1293275) - Utility Room
- ![Shower Room](/listings/photos/153069902/1293276) - Shower Room
- ![Log Burner](/listings/photos/153069902/1293277) - Log Burner
- ![Kitchen / Dining Room](/listings/photos/153069902/1293278) - Kitchen / Dining Room
- ![Kitchen / Dining Room](/listings/photos/153069902/1293279) - Kitchen / Dining Room
- ![Bedroom One](/listings/photos/153069902/1293280) - Bedroom One
- ![Bedroom Two](/listings/photos/153069902/1293281) - Bedroom Two
- ![Bedroom Three](/listings/photos/153069902/1293282) - Bedroom Three
- ![Bathroom](/listings/photos/153069902/1293283) - Bathroom
- ![Office](/listings/photos/153069902/1293284) - Office
- ![Store / Workshop](/listings/photos/153069902/1293285) - Store / Workshop
- ![Patio](/listings/photos/153069902/1293286) - Patio
- ![Rear Garden](/listings/photos/153069902/1293287) - Rear Garden
- ![Open-Field Views](/listings/photos/153069902/1293288) - Open-Field Views

## Floorplans

- ![Floor plan.jpg](/listings/photos/153069902/1293289) - Floor plan.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/153069902/1293290) - EE Rating

## FENSA Certificates

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

### FENSA Certificate #7403007
- **Address:** 121 High Road, Cotton End, MK45 3BA
- **Certificate Issued:** 01/06/2010
- **Work Completed:** 10/05/2010
- **Items:** 4 window(s), 1 door(s)

### FENSA Certificate #7098371
- **Address:** 121 High Road, Cotton End, MK45 3BA
- **Certificate Issued:** 25/01/2010
- **Work Completed:** 09/12/2009
- **Items:** 5 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 121 HIGH ROAD, COTTON END, BEDFORD, MK45 3BA | £355,000 | 06/03/2025 | Semi-detached |
| 121 HIGH ROAD, COTTON END, BEDFORD, MK45 3BA | £220,000 | 14/09/2018 | 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 |
|---------|-------|------|------|
| 36 BUNKERS DRIVE, COTTON END, BEDFORD, MK45 3AT | £204,000 | 20/01/2025 | Semi-detached |
| 73 WOOD LANE, COTTON END, BEDFORD, MK45 3AP | £265,000 | 24/10/2023 | Semi-detached |
| 7 THE CRESCENT, COTTON END, BEDFORD, MK45 3AL | £285,000 | 17/08/2023 | Semi-detached |
| 75 WOOD LANE, COTTON END, BEDFORD, MK45 3AP | £370,000 | 13/03/2023 | Semi-detached |
| [Same street] 155 HIGH ROAD, COTTON END, BEDFORD, MK45 3BA | £565,000 | 18/02/2022 | Detached |

**Street average:** £565,000 (1 sale)
**Area average:** £281,000 (4 sales)

## Price vs local average

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

- **Local average:** £382,353 (80 Semi-detached, MK45, 2024–2026)
- **Deviation:** -7.2%

## Rental Range

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

- **Low:** £1,051/mo
- **Realistic:** £1,168/mo
- **Optimistic:** £1,285/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 Terraced House, Trow Close, MK45 | £3,500/mo | 3 | 0.06 miles | OpenRent |
| 3 Bed Semi-Detached House, Blakes Boulevard, MK42 | £1,800/mo | 3 | 1.17 miles | OpenRent |
| 3 Bed Semi-Detached House, Cackett Way, MK42 | £1,750/mo | 3 | 1.18 miles | OpenRent |

**Average rent: £2,350/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.51% (weak for cashflow)
- **Max investor price (0.8%):** £225,000
- **Target investor price (1%):** £180,000

*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 £1,800/mo).*

- **Gross yield:** 6.1%
- **Cost-to-rent:** 16.4×
- **Monthly cashflow:** £197/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.3%

*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:** £3,447/m²

## Capital growth trend

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

- **5y growth:** 6.7%
- **10y growth:** 20%

## House Price Index (HM Land Registry)

*Official index for Bedford; Semi-detached series; as of April 2026.*

- **1y growth (index):** 5.9%
- **5y growth (index):** 23.5%
- **10y growth (index):** 48.1%

## 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)