Sold STC Terraced

41 MANOR ROAD

CHELMSFORD, ESSEX CM2 0EP

3 beds 1 baths 958 sq ft Listed 23 Jun 2022 (-1455d)

£450,000

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# 3 bedroom terraced house for sale (CM2 0EP)

## Property Details

| Key | Value |
|-----|-------|
| Address | 41 MANOR ROAD, CHELMSFORD, ESSEX CM2 0EP |
| Price | £450,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 89 m² |
| Last sold | £425,000 Aug 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** B
- **Expiry date:** 01/06/2032
- **Est. upgrade cost to C:** £22,783

### Recommendations
- A (£100 - £350)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- C (£15 - £30)
- E (£35)
- G (£350 - £450)
- I (£2,200 - £3,000)
- 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/0370-2822-9160-2902-1685)

## Description

To book a viewing please quote reference #CA0320

**Hallway**

Front door leads to the hallway which has a radiator, door to the lounge/dining room and stairs to upper level

**Lounge / Diner** 6.89m x 3.62m (22'7" x 11'10")

The lounge has a bay double glazed window looking out to the front of the property, there is a gas fire, radiator and tv socket. The dining area has a fire place window to the rear of the property and entrance to the kitchen.

**Kitchen** 2.45m x 2.43m (8'0" x 7'11")

The kitchen has many cupboards and work tops, gas cooker and a gas boiler, double glazed window to the side of the property and door to the rear garden, there is also a storage cupboard which goes under the stairs.

**Bathroom**

The bathroom has a double glazed window to the rear of the property, mixer taps on the bath and a basin, there is also part tiled walls and a hand basin. There is a small sliding door to the w/c which has a double glazed window to the rear garden, part tiled walls and a radiator.

**Lean to**

Back door from the kitchen leads to the lean to which has a sink with tap and window to the rear of the garden with a door going to the rear garden

**Shed**

The shed is at the end of the garden which has some work benches, and just outside there is a grapevine covered patio area

**Rear Garden**

The garden which is south easterly facing has many mature plants and trees including fig tree's and grapevines. There is also a lawned area with a pear tree, a vegetable patch and a green house. To the rear of the property by the back door is a shared pathway with the next door neighbour, there is also a side alley which is shared with 2 neighbours from each side of the property.

**Bedroom 1** 3.89m x 3.66m (12'9" x 12'0")

The largest of the 2 double bedrooms looks out to the rear garden and has double glazing, radiator and a fire place.

**Bedroom 2** 4.67m x 3.04m (15'3" x 9'11")

Double bedroom with double glazed windows to the front of the property, radiator and fire place.

**Bedroom 3** 3.02m x 2.43m (9'10" x 7'11")

Double glazed window to the rear of the property, airing cupboard with hot water tank.

Please Quote Reference #CA0320

## Property Photos

- ![Photo](/listings/photos/124242764/583653)
- ![Photo](/listings/photos/124242764/583654)
- ![Photo](/listings/photos/124242764/583655)
- ![Photo](/listings/photos/124242764/583656)
- ![Photo](/listings/photos/124242764/583657)
- ![Photo](/listings/photos/124242764/583658)
- ![Photo](/listings/photos/124242764/583659)
- ![Photo](/listings/photos/124242764/583660)
- ![Photo](/listings/photos/124242764/583661)
- ![Photo](/listings/photos/124242764/583662)
- ![Photo](/listings/photos/124242764/583663)

## Floorplans

- ![Floorplan 1](/listings/photos/124242764/583664) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/124242764/583665) - EPC 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #160195
- **Address:** 41 Manor Road, CHELMSFORD, CM2 0EP
- **Certificate Issued:** 13/11/2002
- **Work Completed:** 19/09/2002
- **Items:** 11 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 41 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £425,000 | 22/08/2023 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 13 LADY LANE, CHELMSFORD, ESSEX, CM2 0TF | £400,000 | 09/01/2026 | Terraced |
| 49 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HB | £285,000 | 12/12/2025 | Terraced |
| 19 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG | £184,538 | 18/11/2025 | Terraced |
| [Same street] 16 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £515,000 | 27/03/2025 | Semi-detached |
| [Same street] 23 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £720,000 | 13/03/2025 | Semi-detached |
| [Same street] 21 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £370,000 | 07/02/2025 | Terraced |
| [Same street] 18 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £550,000 | 30/01/2025 | Semi-detached |
| [Same street] 43 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £461,500 | 30/10/2024 | Terraced |
| [Same street] 48 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £525,000 | 07/10/2024 | Terraced |
| 35 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HA | £292,500 | 17/11/2023 | Terraced |
| 17 BOUVERIE ROAD, CHELMSFORD, ESSEX, CM2 0UD | £375,000 | 10/11/2023 | Terraced |
| 2 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY | £421,000 | 02/11/2023 | Terraced |
| 8 PARKER ROAD, CHELMSFORD, ESSEX, CM2 0ES | £300,000 | 02/10/2023 | Terraced |
| 17 BOUVERIE ROAD, CHELMSFORD, ESSEX, CM2 0UD | £330,000 | 25/08/2023 | Terraced |
| 51 GOLDLAY ROAD, CHELMSFORD, ESSEX, CM2 0EL | £585,000 | 11/08/2023 | Terraced |
| [Same street] 45 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £380,000 | 31/03/2023 | Terraced |
| [Same street] 27 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP | £507,000 | 23/02/2023 | Terraced |
| 27 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG | £420,000 | 20/12/2022 | Terraced |
| 17 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG | £385,000 | 25/11/2022 | Terraced |
| 5 PARKER ROAD, CHELMSFORD, ESSEX, CM2 0ES | £446,000 | 18/11/2022 | Terraced |
| 19 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG | £291,500 | 09/11/2022 | Terraced |
| 11 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HB | £340,000 | 04/07/2022 | Terraced |
| 19 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY | £400,000 | 14/04/2022 | Terraced |
| 63 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0ER | £340,000 | 18/03/2022 | Terraced |
| 109 MILDMAY ROAD, CHELMSFORD, ESSEX, CM2 0DS | £450,000 | 17/03/2022 | Terraced |
| 3 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY | £420,000 | 04/03/2022 | Terraced |
| 23 ROCHFORD ROAD, CHELMSFORD, ESSEX, CM2 0EG | £366,500 | 07/02/2022 | Terraced |
| 8 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0ER | £507,000 | 04/02/2022 | Terraced |

**Street average:** £503,563 (8 sales)
**Area average:** £376,952 (20 sales)

## Price vs local average

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

- **Local average:** £351,661 (49 Terraced, CM2, 2024–2026)
- **Deviation:** +28%

## Rental Range

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

- **Low:** £1,298/mo
- **Realistic:** £1,442/mo
- **Optimistic:** £1,586/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,197/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, Bouverie Road, CM2 | £1,870/mo | 3 | 0.07 miles | OpenRent |
| 3 Bed End Terrace, Hart Street, CM2 | £1,800/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed End Terrace, Meadgate Avenue, CM2 | £1,750/mo | 3 | 0.75 miles | OpenRent |

**Average rent: £1,807/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.4% (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:** 4.8%
- **Cost-to-rent:** 20.8×
- **Monthly cashflow:** £-177/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.6%

*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:** £5,056/m²

## Capital growth trend

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

- **5y growth:** 18.8%
- **10y growth:** 19%

## House Price Index (HM Land Registry)

*Official index for Chelmsford; Terraced series; as of March 2026.*

- **1y growth (index):** 1%
- **5y growth (index):** 12.1%
- **10y growth (index):** 33.3%

## 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

FREEHOLD

Floor area

89 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£425,000 Aug 2023

Price per m²

£5,056/m²

Local average

£351,661 (+28%)

Deprivation

Decile 9 (28,397 of 33,755)

Street crime

559 incidents within 1 mile (Apr 2026)

Key features

VICTORIAN
PERIOD FEATURES
MATURE GARDEN
2 DOUBLE BEDROOMS
CLOSE TO CITY CENTRE
IDEAL FOR COMMUTERS
CHAIN FREE
QUOTE REFERENCE #CA0320

Additional details

Heating: Double glazing
Accessibility: No wheelchair access
Parking: On street
Garden: Yes

Description

This Victorian property is very close to Chelmsford city centre, local parks and the main line railway station (0.8 miles) The property is in need of modernisation and has many period features, With a gated front garden and bay window to the front of the property, inside the front door is the hall way leading upstairs and into the lounge/dining room area. Then to the rear of the dining room leads you into the kitchen, to the rear of the kitchen is the separate bathroom and w/c. The rear garden has many fruit trees such as fig, pear and also some grapevines, there is also a lawned area a vegetable patch and greenhouse. At the end of the garden is a shed and a grapevine covered patio area. Please also note that there is a shared path through the rear of the garden which is used by the next door neighbour, and also an alley which is used by both adjoining neighbours. Upstairs takes you to the hallway leading to 2 double sized bedrooms and a single bedroom. There is also a loft which has been boarded has lights and power. Council Tax Band C.
To book a viewing please quote reference #CA0320

Hallway
Front door leads to the hallway which has a radiator, door to the lounge/dining room and stairs to upper level

Lounge / Diner 6.89m x 3.62m (22'7" x 11'10")
The lounge has a bay double glazed window looking out to the front of the property, there is a gas fire, radiator and tv socket. The dining area has a fire place window to the rear of the property and entrance to the kitchen.
Kitchen 2.45m x 2.43m (8'0" x 7'11")
The kitchen has many cupboards and work tops, gas cooker and a gas boiler, double glazed window to the side of the property and door to the rear garden, there is also a storage cupboard which goes under the stairs.
Bathroom
The bathroom has a double glazed window to the rear of the property, mixer taps on the bath and a basin, there is also part tiled walls and a hand basin. There is a small sliding door to the w/c which has a double glazed window to the rear garden, part tiled walls and a radiator.
Lean to
Back door from the kitchen leads to the lean to which has a sink with tap and window to the rear of the garden with a door going to the rear garden
Shed
The shed is at the end of the garden which has some work benches, and just outside there is a grapevine covered patio area
Rear Garden
The garden which is south easterly facing has many mature plants and trees including fig tree's and grapevines. There is also a lawned area with a pear tree, a vegetable patch and a green house. To the rear of the property by the back door is a shared pathway with the next door neighbour, there is also a side alley which is shared with 2 neighbours from each side of the property.
Bedroom 1 3.89m x 3.66m (12'9" x 12'0")
The largest of the 2 double bedrooms looks out to the rear garden and has double glazing, radiator and a fire place.
Bedroom 2 4.67m x 3.04m (15'3" x 9'11")
Double bedroom with double glazed windows to the front of the property, radiator and fire place.
Bedroom 3 3.02m x 2.43m (9'10" x 7'11")
Double glazed window to the rear of the property, airing cupboard with hot water tank.
Please Quote Reference #CA0320

Listed by

South East

exp world uk limited

Reference: 124242764

EPC Rating & Upgrade Cost

Current rating: F

Potential rating: B

Inspection date: 02/06/2022

Expiry date: 01/06/2032

Est. upgrade cost to C: £22,783

EPC F or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Increase hot water cylinder insulation (£15 - £30)
Low energy lighting for all fixed outlets (£35)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #160195

Property Details

Street: 41 Manor Road

Town: CHELMSFORD

Postcode: CM2 0EP

Installation Details

Items: 11 windows

Certificate Issued: 13/11/2002

Work Completed: 19/09/2002

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	22/08/2023 (2 years ago)	£425,000	—

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
13 LADY LANE, CHELMSFORD, ESSEX, CM2 0TF	£400,000	09/01/2026	Terraced
49 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HB	£285,000	12/12/2025	Terraced
19 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG	£184,538	18/11/2025	Terraced
Same street 16 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£515,000	27/03/2025	Semi-detached
Same street 23 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£720,000	13/03/2025	Semi-detached
Same street 21 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£370,000	07/02/2025	Terraced
Same street 18 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£550,000	30/01/2025	Semi-detached
Same street 43 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£461,500	30/10/2024	Terraced
Same street 48 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£525,000	07/10/2024	Terraced
35 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HA	£292,500	17/11/2023	Terraced
17 BOUVERIE ROAD, CHELMSFORD, ESSEX, CM2 0UD	£375,000	10/11/2023	Terraced
2 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY	£421,000	02/11/2023	Terraced
8 PARKER ROAD, CHELMSFORD, ESSEX, CM2 0ES	£300,000	02/10/2023	Terraced
17 BOUVERIE ROAD, CHELMSFORD, ESSEX, CM2 0UD	£330,000	25/08/2023	Terraced
51 GOLDLAY ROAD, CHELMSFORD, ESSEX, CM2 0EL	£585,000	11/08/2023	Terraced
Same street 45 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£380,000	31/03/2023	Terraced
Same street 27 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0EP	£507,000	23/02/2023	Terraced
27 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG	£420,000	20/12/2022	Terraced
17 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG	£385,000	25/11/2022	Terraced
5 PARKER ROAD, CHELMSFORD, ESSEX, CM2 0ES	£446,000	18/11/2022	Terraced
19 LADY LANE, CHELMSFORD, ESSEX, CM2 0TG	£291,500	09/11/2022	Terraced
11 ROMAN ROAD, CHELMSFORD, ESSEX, CM2 0HB	£340,000	04/07/2022	Terraced
19 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY	£400,000	14/04/2022	Terraced
63 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0ER	£340,000	18/03/2022	Terraced
109 MILDMAY ROAD, CHELMSFORD, ESSEX, CM2 0DS	£450,000	17/03/2022	Terraced
3 GROVE ROAD, CHELMSFORD, ESSEX, CM2 0EY	£420,000	04/03/2022	Terraced
23 ROCHFORD ROAD, CHELMSFORD, ESSEX, CM2 0EG	£366,500	07/02/2022	Terraced
8 MANOR ROAD, CHELMSFORD, ESSEX, CM2 0ER	£507,000	04/02/2022	Terraced

Street average: £503,563 (8 sales)

Area average: £376,952 (20 sales)

Capital growth trend

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

5y growth 18.8%

10y growth 19%

House Price Index (HM Land Registry — official index, not sold-price averages): Chelmsford. Series: Terraced. As of March 2026.

1y (index) 1%

5y (index) 12.1%

10y (index) 33.3%

Rental Range

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

Low £1,298/mo

Realistic £1,442/mo

Optimistic £1,586/mo

Based on Local Authority from postcode lookup → Chelmsford.

LHA (30th percentile) floor for Chelmsford: £1,197/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CM2 0EP

Nearby

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

Type	Name	Distance
Bus stop	Rosebery Road	0.1 miles
Bus stop	Lady Lane	0.1 miles
Shop	Immortal Ink	0.2 miles
Shop	Russell Moore Interiors	0.2 miles
Hospital	Chelmsford and Essex (C&E) Centre	0.3 miles
Train station	Chelmsford	0.7 miles
Hospital	Phoenix Hospital	1.9 miles
University	Writtle School of Design	2.1 miles
Train station	Beaulieu Park	2.9 miles

Street-level crime

Category	Count
Violence and sexual offences	178
Shoplifting	103
Anti-social behaviour	63
Drugs	50
Public order	39
Other theft	34
Criminal damage and arson	29
Vehicle crime	19
Bicycle theft	10
Robbery	10
Burglary	9
Other crime	9
Possession of weapons	6
Total incidents	559

Within 1 mile during Apr 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
Oaklands Infant School	Primary	0.3 miles	Outstanding — 8 Nov 2013
Our Lady Immaculate Catholic Primary School	Primary	0.4 miles	Good — 24 Jun 2013
Chelmsford College	Other	0.4 miles	— (No rating)
St Anne's School	Other	0.4 miles	— (No rating)
St Cedd's School	Other	0.4 miles	— (No rating)

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, Bouverie Road, CM2	£1,870/mo	3	0.07 miles	OpenRent
3 Bed End Terrace, Hart Street, CM2	£1,800/mo	3	0.5 miles	OpenRent
3 Bed End Terrace, Meadgate Avenue, CM2	£1,750/mo	3	0.75 miles	OpenRent

Average rent: £1,807/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.4%

Max investor price (0.8%) £225,000

Target investor price (1%) £180,000

Gross yield 4.8%

Cost-to-rent ratio 20.8×

Monthly cashflow £-177/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.6%

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).