# 2 bedroom terraced house for sale (S41 8TY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 12 MOUNTCASTLE STREET, CHESTERFIELD, DERBYSHIRE S41 8TY |
| Price | £130,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £130,000 Apr 2025 |

## Description

IDEAL FIRST TIME BUYER/INVESTMENT PROPERTY - TWO BED TERRACED - MODERN KITCHEN & BATHROOM - LOW MAINTENANCE REAR GARDEN

Offered for sale with no upward chain, is this two bedroomed stone fronted mid terraced house - an ideal choice for couples or individuals seeking a cosy retreat.   Offering 736 sq.ft. of well proportioned and neutrally presented accommodation, the property also includes a good sized living room, a fitted kitchen with a range of integrated appliances and a modern shower room.  

The location of this home is particularly appealing, with easy access to local shops, schools, and parks, making it a practical choice for everyday living.  The property is also readily accessible for commuter links into the Town Centre and towards Dronfield and Sheffield.

**General** - Gas central heating (Baxi Combi Boiler)

uPVC sealed unit double glazed windows and doors

CCTV installed

Gross internal floor area - 68.3 sq.m./736 sq.ft.

Council Tax Band - A

Tenure - Freehold

Secondary School Catchment Area - Whittington Green School

**On The Ground Floor** - A uPVC double glazed front entrance door opens into a ...

**Living Room** - 3.78m x 2.97m (12'5 x 9'9) - A good sized front facing reception room, having a feature fireplace with fire surround, marble inset and hearth, and an inset gas fire.

Built-in base unit to the alcove.

**Centre Lobby** - With staircase rising to the First Floor accommodation.

**Kitchen/Diner** - 3.78m x 3.71m (12'5 x 12'2) - Fitted with a range of wall, drawer and base units with complementary work surfaces and matching upstands.

Inset single drainer stainless steel sink with mixer tap.

Integrated appliances to include a washing machine, slimline dishwasher, fridge, freezer, electric double oven and hob with extractor over.

LVT flooring.

A uPVC double glazed door gives access onto the rear of the property.

A further door opens to a cellar heads and steps which lead down into the cellar.

**Cellar** - 2.87m x 2.08m (9'5 x 6'10) - a useful storage area.

**On The First Floor** - 

**Landing** - Having a built-in airing cupboard, and loft access hatch.

**Bedroom One** - 3.81m x 2.92m (12'6 x 9'7) - A good sized front facing double bedroom, having a range of built-in wardrobes with sliding mirror doors along one wall.

**Bedroom Two** - 3.73m x 1.93m (12'3 x 6'4) - A rear facing single bedroom, fitted with laminate flooring and having a built-in over stair store cupboard.

This room also houses the gas boiler.

**Shower Room** - Being part tiled/part waterproof boarding and fitted with a modern white 3-piece suite comprising of a shower cubicle with electric shower, semi recessed wash hand basin with storage below and to the side, and a concealed cistern WC.

Chrome heated towel rail.

LVT flooring.

**Outside** - On street parking is available in the area.

A shared side gennel gives access to the rear of the property where a gate opens to a low maintenance paved garden with raised beds to the sides.

## Property Photos

- ![Front](/listings/photos/157745549/1636817) - Front
- ![Living Room](/listings/photos/157745549/1636818) - Living Room
- ![Kitchen/Diner](/listings/photos/157745549/1636819) - Kitchen/Diner
- ![Kitchen/Diner](/listings/photos/157745549/1636820) - Kitchen/Diner
- ![Bedroom Two](/listings/photos/157745549/1636821) - Bedroom Two
- ![Bedroom One](/listings/photos/157745549/1636822) - Bedroom One
- ![Shower Room](/listings/photos/157745549/1636823) - Shower Room
- ![Rear](/listings/photos/157745549/1636824) - Rear
- ![REar Garden](/listings/photos/157745549/1636825) - REar Garden
- ![Photo](/listings/photos/157745549/1636826)

## Floorplans

- ![Floor Plan](/listings/photos/157745549/1636827) - Floor Plan
- ![Floorplan 2](/listings/photos/157745549/1636828) - Floorplan 2
- ![Floorplan 3](/listings/photos/157745549/1636829) - Floorplan 3

## EPC Graphs

- ![EE Rating](/listings/photos/157745549/1636830) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 12 MOUNTCASTLE STREET, CHESTERFIELD, DERBYSHIRE, S41 8TY | £130,000 | 09/04/2025 | 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 |
|---------|-------|------|------|
| MANKNELL COURT 2 MANKNELL ROAD, CHESTERFIELD, DERBYSHIRE, S41 8LZ | £145,000 | 21/11/2025 | Terraced |
| 10 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TB | £175,000 | 13/11/2025 | Terraced |
| 75 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TG | £108,000 | 10/11/2023 | Terraced |
| 1 DEVONSHIRE CLOSE, CHESTERFIELD, DERBYSHIRE, S41 8UN | £125,000 | 18/05/2023 | Terraced |
| 2 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TB | £136,000 | 28/03/2023 | Terraced |
| 124 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TW | £155,000 | 24/02/2023 | Terraced |
| 10 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TB | £65,000 | 25/10/2022 | Terraced |
| 3 RACECOURSE VILLAS, CHESTERFIELD, DERBYSHIRE, S41 8TU | £200,000 | 14/10/2022 | Terraced |
| [Same street] 16 MOUNTCASTLE STREET, CHESTERFIELD, DERBYSHIRE, S41 8TY | £100,000 | 30/09/2022 | Terraced |
| 115 RACECOURSE ROAD, CHESTERFIELD, DERBYSHIRE, S41 8NN | £135,000 | 19/08/2022 | Terraced |
| 15 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TB | £155,000 | 12/08/2022 | Terraced |
| 76 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TG | £115,000 | 08/07/2022 | Terraced |
| 33 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TE | £160,000 | 07/02/2022 | Terraced |
| 72 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TG | £90,000 | 22/12/2021 | Terraced |
| 72 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TG | £90,000 | 22/12/2021 | Terraced |
| 21 MOUNTCASTLE STREET, CHESTERFIELD, DERBYSHIRE, S41 8TX | £82,000 | 25/11/2021 | Terraced |
| 60 ST JOHNS ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TE | £105,000 | 22/10/2021 | Terraced |
| 25 OCCUPATION ROAD, CHESTERFIELD, DERBYSHIRE, S41 8TH | £75,000 | 06/10/2021 | Terraced |
| 12 EDMUND STREET, CHESTERFIELD, DERBYSHIRE, S41 8TD | £115,000 | 11/08/2021 | Terraced |

**Street average:** £100,000 (1 sale)
**Area average:** £123,944 (18 sales)

## Price vs local average

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

- **Local average:** £156,875 (28 Terraced, S41, 2024–2026)
- **Deviation:** -17.1%

## Rental Range

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

- **Low:** £670/mo
- **Realistic:** £744/mo
- **Optimistic:** £818/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £524/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 Terraced House, Mountcastle Street, S41 | £750/mo | 2 | 0.01 miles | OpenRent |
| 2 Bed Flat, Wordsworth Road, S41 | £695/mo | 2 | 0.23 miles | OpenRent |
| 2 Bed Flat, Sheffield Road, S41 | £695/mo | 2 | 0.34 miles | OpenRent |
| 2 Bed Terraced House, Prospect Road, S41 | £800/mo | 2 | 0.56 miles | OpenRent |
| 2 Bed Terraced House, Sanforth Street, S41 | £760/mo | 2 | 0.59 miles | OpenRent |
| 2 Bed Terraced House, Nelson St, S41 | £750/mo | 2 | 0.62 miles | OpenRent |
| 2 Bed Semi-Detached House, George Street, S41 | £800/mo | 2 | 0.65 miles | OpenRent |
| 2 Bed Semi-Detached House, Kingswood Close, S41 | £850/mo | 2 | 0.72 miles | OpenRent |

**Average rent: £763/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.58% (weak for cashflow)
- **Max investor price (0.8%):** £94,375
- **Target investor price (1%):** £75,500

*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 £755/mo).*

- **Gross yield:** 7%
- **Cost-to-rent:** 14.3×
- **Monthly cashflow:** £143/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.5%

*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:** 7.7%
- **10y growth:** 18.1%

## House Price Index (HM Land Registry)

*Official index for Chesterfield; Terraced series; as of April 2026.*

- **1y growth (index):** 5%
- **5y growth (index):** 19.5%
- **10y growth (index):** 49.8%

## 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)