Sold STC Terraced

20 ELGIN STREET

STALYBRIDGE, GREATER MANCHESTER SK15 2NH

2 beds Listed 11 Aug 2017 (-3221d)

£105,000

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# 2 bedroom terraced house for sale (SK15 2NH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 ELGIN STREET, STALYBRIDGE, GREATER MANCHESTER SK15 2NH |
| Price | £105,000 |
| Bedrooms | 2 |
| Last sold | £94,000 Dec 2017 |

## Description

Hunters are pleased to market this mid terrace property that is located on a quiet street in Stalybridge. The two bedroom property is within close proximity to the town centre and all that Stalybridge offers. This property would ideally suit a first time buyer or an Investor looking to expand their portfolio. This good sized terrace has had a new boiler, rewire and re plaster in the last 18 months. The deceptively spacious accommodation is sold without an onward chain. In brief the property offers entrance vestibule, living room, kitchen diner, two bedrooms, bathroom and paved yard.

## Property Photos

- ![Dining Kitchen](/listings/photos/61250959/608416) - Dining Kitchen
- ![Living Room ](/listings/photos/61250959/608420) - Living Room 
- ![Bathroom ](/listings/photos/61250959/608424) - Bathroom 
- ![Bedroom 2](/listings/photos/61250959/608428) - Bedroom 2
- ![Living Room ](/listings/photos/61250959/608430) - Living Room 
- ![Rear Yard](/listings/photos/61250959/608431) - Rear Yard
- ![Master Bedroom ](/listings/photos/61250959/608435) - Master Bedroom 
- ![Photo](/listings/photos/61250959/608438)

## Floorplans

- ![Floorplan 1](/listings/photos/61250959/608442) - Floorplan 1

## EPC Graphs

- ![EPC](/listings/photos/61250959/608446) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £94,000 | 01/12/2017 | Terraced |
| 20 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £72,000 | 26/11/2015 | 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 |
|---------|-------|------|------|
| 49 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LN | £168,750 | 22/01/2026 | Terraced |
| 62 LINDSAY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LT | £145,000 | 05/12/2025 | Terraced |
| 17 CRANWORTH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NW | £232,000 | 08/09/2025 | Terraced |
| 75 ACRES LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2JR | £260,000 | 05/09/2025 | Terraced |
| 19 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ | £175,000 | 28/07/2025 | Terraced |
| 68 MOTTRAM ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2QS | £142,000 | 28/03/2025 | Terraced |
| [Same street] 3 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £127,000 | 10/01/2025 | Other |
| [Same street] 12 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £140,000 | 15/07/2024 | Terraced |
| 4 MILL STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LP | £168,000 | 13/12/2023 | Terraced |
| 8 FRENCH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NT | £174,000 | 16/10/2023 | Terraced |
| 28 CRANWORTH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NW | £236,000 | 29/09/2023 | Terraced |
| 28 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LW | £135,000 | 28/09/2023 | Terraced |
| 10 FRENCH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NT | £170,000 | 25/08/2023 | Terraced |
| 81 TATTON STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NQ | £160,000 | 04/08/2023 | Terraced |
| [Same street] 6 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £135,000 | 28/07/2023 | Terraced |
| 44 GREY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NR | £138,000 | 25/07/2023 | Terraced |
| [Same street] 1 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £117,500 | 26/06/2023 | Terraced |
| 23 OXFORD STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NX | £155,000 | 26/05/2023 | Terraced |
| 25 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ | £165,000 | 26/05/2023 | Terraced |
| 49 CECIL STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LD | £135,000 | 16/05/2023 | Terraced |
| 38 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LW | £110,000 | 24/04/2023 | Terraced |
| 2 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ | £125,000 | 30/03/2023 | Terraced |
| 39 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LN | £110,000 | 27/03/2023 | Terraced |
| 42 MOTTRAM ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2QS | £141,250 | 13/12/2022 | Terraced |
| [Same street] 9 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £135,000 | 18/02/2022 | Terraced |
| [Same street] 4 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH | £125,000 | 27/09/2021 | Terraced |

**Street average:** £129,917 (6 sales)
**Area average:** £162,250 (20 sales)

## Price vs local average

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

- **Local average:** £174,734 (31 Terraced, SK15, 2024–2026)
- **Deviation:** -39.9%

## Rental Range

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

- **Low:** £827/mo
- **Realistic:** £919/mo
- **Optimistic:** £1,011/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £576/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, Melbourne Street, SK15 | £875/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Melbourne Street, SK15 | £850/mo | 2 | 0.4 miles | OpenRent |

**Average rent: £863/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.82% (okay)
- **Max investor price (0.8%):** £107,875
- **Target investor price (1%):** £86,300

*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 £863/mo).*

- **Gross yield:** 9.9%
- **Cost-to-rent:** 10.1×
- **Monthly cashflow:** £338/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 13.3%

*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).*

## Capital growth trend

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

- **5y growth:** 14%
- **10y growth:** 30.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 3%
- **5y growth (index):** 30.7%
- **10y growth (index):** 86.7%

## 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)

Dining Kitchen Living Room Bathroom Bedroom 2 Living Room Rear Yard Master Bedroom Photo 8

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Property details

Last sold

£94,000 Dec 2017

Local average

£174,734 (-39.9%)

Deprivation

Decile 6 (16,975 of 33,755)

Street crime

0 incidents within 1 mile (Mar 2026)

Key features

TERRACED PROPERTY
TWO BEDROOMS
KITCHEN DINER
ENCLOSED REAR YARD
WELL PRESENTED INTERIOR
SPACIOUS MASTER BEDROOM
EPC D

Additional details

Garden: Yes

Description

Listed by

Stalybridge

Hunters Property Group Ltd

Reference: 61250959

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC

Price history

31% since 2015

Event	Date	Price	% change
Sold	01/12/2017 (8 years ago)	£94,000	+30.6%
Sold	26/11/2015 (10 years ago)	£72,000	—

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
49 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LN	£168,750	22/01/2026	Terraced
62 LINDSAY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LT	£145,000	05/12/2025	Terraced
17 CRANWORTH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NW	£232,000	08/09/2025	Terraced
75 ACRES LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2JR	£260,000	05/09/2025	Terraced
19 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ	£175,000	28/07/2025	Terraced
68 MOTTRAM ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2QS	£142,000	28/03/2025	Terraced
Same street 3 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£127,000	10/01/2025	Other
Same street 12 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£140,000	15/07/2024	Terraced
4 MILL STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LP	£168,000	13/12/2023	Terraced
8 FRENCH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NT	£174,000	16/10/2023	Terraced
28 CRANWORTH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NW	£236,000	29/09/2023	Terraced
28 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LW	£135,000	28/09/2023	Terraced
10 FRENCH STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NT	£170,000	25/08/2023	Terraced
81 TATTON STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NQ	£160,000	04/08/2023	Terraced
Same street 6 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£135,000	28/07/2023	Terraced
44 GREY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NR	£138,000	25/07/2023	Terraced
Same street 1 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£117,500	26/06/2023	Terraced
23 OXFORD STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NX	£155,000	26/05/2023	Terraced
25 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ	£165,000	26/05/2023	Terraced
49 CECIL STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LD	£135,000	16/05/2023	Terraced
38 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LW	£110,000	24/04/2023	Terraced
2 HAWKE STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2PQ	£125,000	30/03/2023	Terraced
39 STOCKS LANE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2LN	£110,000	27/03/2023	Terraced
42 MOTTRAM ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2QS	£141,250	13/12/2022	Terraced
Same street 9 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£135,000	18/02/2022	Terraced
Same street 4 ELGIN STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2NH	£125,000	27/09/2021	Terraced

Street average: £129,917 (6 sales)

Area average: £162,250 (20 sales)

Capital growth trend

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

5y growth 14%

10y growth 30.3%

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

1y (index) 3%

5y (index) 30.7%

10y (index) 86.7%

Rental Range

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

Low £827/mo

Realistic £919/mo

Optimistic £1,011/mo

Based on Local Authority from postcode lookup → Tameside.

LHA (30th percentile) floor for Oldham & Rochdale: £576/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SK15 2NH

Nearby

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

Type	Name	Distance
Shop	Raja Brothers	0.0 miles
Shop	Mottram Road Stores	0.1 miles
Bus stop	Stocks Lane/Taylor Street	0.1 miles
Bus stop	Mottram Road/Grey Street	0.1 miles
Train station	Stalybridge	0.7 miles
Hospital	Tameside General Hospital	1.2 miles
Train station	Newton for Hyde	1.9 miles
Hospital	The Christie at Oldham	5.7 miles
University	Fallowfield Reception and Richmond Amenities Building	7.3 miles
University	UCEN Manchester (Shena Simon Campus)	7.8 miles

Street-level crime

Category	Count
Total incidents	0

Within 1 mile during Mar 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
St Paul's CofE Primary School, Stalybridge	Primary	0.3 miles	Good — 27 Feb 2020
St. Peter's Catholic Primary School, a Voluntary Academy	Primary	0.3 miles	Good — 24 Jan 2024
Wild Bank Primary School	Primary	0.4 miles	Requires improvement — 17 Jul 2024
Gorse Hall Primary and Nursery School	Primary	0.5 miles	Good — 17 Sep 2023
Copley Academy	Secondary	0.5 miles	Good — 9 Jul 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 Flat, Melbourne Street, SK15	£875/mo	2	0.4 miles	OpenRent
2 Bed Flat, Melbourne Street, SK15	£850/mo	2	0.4 miles	OpenRent

Average rent: £863/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.82%

Max investor price (0.8%) £107,875

Target investor price (1%) £86,300

Gross yield 9.9%

Cost-to-rent ratio 10.1×

Monthly cashflow £338/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 13.3%

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).