For sale Terraced

3 CHATHAM STREET

STOKE-ON-TRENT, STOKE-ON-TRENT ST1 4NY

3 beds 1 baths 73 m² Listed 15 May 2026 (-78d)

£85,000

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# 3 bedroom terraced house for sale (ST1 4NY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 CHATHAM STREET, STOKE-ON-TRENT, STOKE-ON-TRENT ST1 4NY |
| Price | £85,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £90,500 Aug 2021 |

## Description

For investors looking to expand their portfolio, this is a fantastic opportunity!

This well-kept home features 3 bedrooms, 2 lounges, bathroom and kitchen and back garden spaces.

Investment details

It currently produces an annual gross income of £7,140 with tenants currently situated. Considering the purchase price and the potential rental income that could be earned in future years, this will make for a worthwhile addition to an investors property portfolio.

For greater detail on this property's investment potential, please see the Let Property Pack linked below.

If you are interested, please call us.

Tenancy Details

There are tenants that currently reside in the property and have consistently paid their rent for the duration of their stay. They do not have any intentions to move out so hope to remain in the property.

We are committed to facilitating a smooth transaction process between buyer and seller. To allow for maximum commitment to the sale from both parties, a Buyers Premium will apply in order to secure a property.

## Property Photos

- ![Photo](/listings/photos/88525689/432954)
- ![Photo](/listings/photos/88525689/432955)
- ![Photo](/listings/photos/88525689/432956)
- ![Photo](/listings/photos/88525689/432957)
- ![Photo](/listings/photos/88525689/432958)
- ![Photo](/listings/photos/88525689/432959)
- ![Photo](/listings/photos/88525689/432960)
- ![Photo](/listings/photos/88525689/432961)
- ![Photo](/listings/photos/88525689/432962)
- ![Photo](/listings/photos/88525689/432963)
- ![Photo](/listings/photos/88525689/432964)

## Floorplans

- ![Floor Plan](/listings/photos/88525689/432965) - Floor Plan

## EPC Graphs

- ![EPC](/listings/photos/88525689/432966) - EPC

## FENSA Certificates

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

### FENSA Certificate #5437251
- **Address:** 3 Chatham Street, STOKE-ON-TRENT, ST1 4NY
- **Certificate Issued:** 18/02/2008
- **Work Completed:** 14/01/2008
- **Items:** 5 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY | £90,500 | 13/08/2021 | 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 |
|---------|-------|------|------|
| 22 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR | £57,000 | 12/12/2025 | Terraced |
| 21 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR | £88,000 | 28/11/2025 | Terraced |
| [Same street] 17 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY | £92,500 | 24/05/2024 | Terraced |
| 34 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR | £97,500 | 28/07/2023 | Terraced |
| 20 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP | £69,950 | 30/05/2023 | Terraced |
| 16 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP | £82,950 | 21/04/2023 | Terraced |
| 24 RICHMOND TERRACE, STOKE-ON-TRENT, ST1 4ND | £157,000 | 04/04/2023 | Terraced |
| [Same street] 61 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY | £100,000 | 06/10/2022 | Semi-detached |
| 6 WOOD TERRACE, STOKE-ON-TRENT, ST1 4LR | £140,000 | 31/08/2022 | Terraced |
| 14 PARKHOUSE STREET, STOKE-ON-TRENT, ST1 4PU | £105,000 | 26/08/2022 | Terraced |
| 1 HOWARD PLACE, STOKE-ON-TRENT, ST1 4NN | £108,000 | 26/07/2022 | Terraced |
| HOPWOOD HOUSE, 5 SNOW HILL, STOKE-ON-TRENT, ST1 4LU | £750,000 | 15/07/2022 | Terraced |
| 4 WOOD TERRACE, STOKE-ON-TRENT, ST1 4LR | £130,000 | 01/07/2022 | Terraced |
| 28 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR | £131,000 | 10/06/2022 | Terraced |
| 72 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW | £37,990 | 26/05/2022 | Terraced |
| 10A WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW | £60,500 | 23/05/2022 | Terraced |
| 32 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP | £75,000 | 13/05/2022 | Terraced |
| 76 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW | £65,000 | 01/04/2022 | Terraced |
| 31 NORFOLK STREET, STOKE-ON-TRENT, ST1 4PB | £130,000 | 07/02/2022 | Terraced |
| [Same street] 48 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY | £65,000 | 29/10/2021 | Terraced |
| 60 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW | £63,000 | 29/10/2021 | Terraced |
| 116 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NS | £173,000 | 15/10/2021 | Terraced |
| 6 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP | £65,500 | 25/08/2021 | Terraced |

**Street average:** £85,833 (3 sales)
**Area average:** £129,320 (20 sales)

## Price vs local average

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

- **Local average:** £101,567 (78 Terraced, ST1, 2024–2026)
- **Deviation:** -16.3%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £636/mo
- **Realistic:** £707/mo
- **Optimistic:** £778/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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 |
|------|------|------|------|------|
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/0a6b094) | £825/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8ba40b9) | £825/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8602134) | £875/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/1511edf) | £895/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/f8571c5) | £875/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/eb293a8) | £825/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/4c54cd2) | £875/mo | — | 0.44 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/c131718) | £825/mo | — | 0.44 miles | Rightmove |
| [Stafford Street, Stoke-on-Trent, ST1](http://87.117.209.195:8080/listings/a8431ae) | £575/mo | — | 0.65 miles | Rightmove |
| [The Webberley, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/2d1fe0f) | £620/mo | — | 0.7 miles | Rightmove |
| [Moxons Island, 48 Stafford Street, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/0cb1b74) | £525/mo | — | 0.72 miles | Rightmove |
| [Denbigh Street, Stoke-on-trent](http://87.117.209.195:8080/listings/66c4783) | £875/mo | 3 | 0.91 miles | Rightmove |
| [Denbigh Street, Hanley](http://87.117.209.195:8080/listings/13cabfd) | £875/mo | 3 | 0.91 miles | Rightmove |
| [Milton Road, Sneyd Green, Stoke-on-Trent, ST1](http://87.117.209.195:8080/listings/2bd2c1c) | £800/mo | 3 | 2.08 miles | Rightmove |
| [Mowbray Walk, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/342504c) | £895/mo | 3 | 2.29 miles | Rightmove |

**Average rent: £799/mo (15 listings)**

## 1% Rule

- **Rent ratio:** 0.97% (okay)
- **Max investor price (0.8%):** £103,125
- **Target investor price (1%):** £82,500

*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 £825/mo).*

- **Gross yield:** 11.6%
- **Cost-to-rent:** 8.6×
- **Monthly cashflow:** £383/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 18.6%

*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).*

## Capital growth trend

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

- **5y growth:** 2.5%
- **10y growth:** 34.3%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of April 2026.*

- **1y growth (index):** 4.8%
- **5y growth (index):** 25.7%
- **10y growth (index):** 63.3%

## 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

73 m²

Council tax band

Last sold

£90,500 Aug 2021

Local average

£101,567 (-16.3%)

Deprivation

Decile 1 (3,039 of 33,755)

Street crime

753 incidents within 1 mile (May 2026)

Key features

Shared Private Parking
Private Garden (Back Only)
Buy-to-Let Opportunity
Tenant Currently Situated
Likely to attract enquiries from Serious Investors & Developers
INVESTMENT POTENTIAL DETAILED BELOW (Let Property Pack)

Additional details

Parking: Yes
Garden: Yes

Description

Our latest listing is a 3-bedroom mid-terraced house located in Stoke-on-Trent. It is in close proximity to valuable amenities, is able to generate rewarding rental returns and has a tenant currently situated.

For investors looking to expand their portfolio, this is a fantastic opportunity!

This well-kept home features 3 bedrooms, 2 lounges, bathroom and kitchen and back garden spaces.

Investment details

It currently produces an annual gross income of £7,140 with tenants currently situated. Considering the purchase price and the potential rental income that could be earned in future years, this will make for a worthwhile addition to an investors property portfolio.

For greater detail on this property's investment potential, please see the Let Property Pack linked below.

If you are interested, please call us.

Tenancy Details

There are tenants that currently reside in the property and have consistently paid their rent for the duration of their stay. They do not have any intentions to move out so hope to remain in the property.

We are committed to facilitating a smooth transaction process between buyer and seller. To allow for maximum commitment to the sale from both parties, a Buyers Premium will apply in order to secure a property.

Listed by

Glasgow

Let Property Sales

Reference: 88525689

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floor Plan

EPC Graphs

EPC

FENSA Certificates

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

FENSA Certificate #5437251

Property Details

Street: 3 Chatham Street

Town: STOKE-ON-TRENT

Postcode: ST1 4NY

Installation Details

Items: 5 windows

Certificate Issued: 18/02/2008

Work Completed: 14/01/2008

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
Listed for sale	—	£85,000	-6.1%
Sold	13/08/2021 (4 years ago)	£90,500	—

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
22 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR	£57,000	12/12/2025	Terraced
21 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR	£88,000	28/11/2025	Terraced
Same street 17 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY	£92,500	24/05/2024	Terraced
34 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR	£97,500	28/07/2023	Terraced
20 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP	£69,950	30/05/2023	Terraced
16 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP	£82,950	21/04/2023	Terraced
24 RICHMOND TERRACE, STOKE-ON-TRENT, ST1 4ND	£157,000	04/04/2023	Terraced
Same street 61 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY	£100,000	06/10/2022	Semi-detached
6 WOOD TERRACE, STOKE-ON-TRENT, ST1 4LR	£140,000	31/08/2022	Terraced
14 PARKHOUSE STREET, STOKE-ON-TRENT, ST1 4PU	£105,000	26/08/2022	Terraced
1 HOWARD PLACE, STOKE-ON-TRENT, ST1 4NN	£108,000	26/07/2022	Terraced
HOPWOOD HOUSE, 5 SNOW HILL, STOKE-ON-TRENT, ST1 4LU	£750,000	15/07/2022	Terraced
4 WOOD TERRACE, STOKE-ON-TRENT, ST1 4LR	£130,000	01/07/2022	Terraced
28 CHAMBERLAIN STREET, STOKE-ON-TRENT, ST1 4NR	£131,000	10/06/2022	Terraced
72 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW	£37,990	26/05/2022	Terraced
10A WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW	£60,500	23/05/2022	Terraced
32 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP	£75,000	13/05/2022	Terraced
76 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW	£65,000	01/04/2022	Terraced
31 NORFOLK STREET, STOKE-ON-TRENT, ST1 4PB	£130,000	07/02/2022	Terraced
Same street 48 CHATHAM STREET, STOKE-ON-TRENT, ST1 4NY	£65,000	29/10/2021	Terraced
60 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NW	£63,000	29/10/2021	Terraced
116 WELLESLEY STREET, STOKE-ON-TRENT, ST1 4NS	£173,000	15/10/2021	Terraced
6 HARCOURT STREET, STOKE-ON-TRENT, ST1 4NP	£65,500	25/08/2021	Terraced

Street average: £85,833 (3 sales)

Area average: £129,320 (20 sales)

Capital growth trend

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

5y growth 2.5%

10y growth 34.3%

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

1y (index) 4.8%

5y (index) 25.7%

10y (index) 63.3%

Rental Range

Estimated market rent for Stoke-on-Trent. Low = conservative, Realistic = average, Optimistic = best case.

Low £636/mo

Realistic £707/mo

Optimistic £778/mo

Based on Local Authority from postcode lookup → Stoke-on-Trent.

LHA (30th percentile) floor for Staffordshire North: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST1 4NY

Nearby

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

Type	Name	Distance
Bus stop	Unknown	0.2 miles
Bus stop	Wellesley Road	0.2 miles
Shop	Sun Street Convenience Store	0.3 miles
Shop	Zagros Store	0.3 miles
University	University of Staffordshire Stoke Campus	0.5 miles
Train station	Stoke-on-Trent	0.6 miles
Hospital	North Staffordshire Hospital	1.1 miles
Hospital	St Augustine's Hospital	1.2 miles
Train station	Longport	2.3 miles

Street-level crime

Category	Count
Violence and sexual offences	212
Anti-social behaviour	133
Shoplifting	78
Public order	71
Criminal damage and arson	70
Other theft	47
Burglary	34
Drugs	34
Other crime	19
Possession of weapons	16
Vehicle crime	16
Robbery	12
Bicycle theft	8
Theft from the person	3
Total incidents	753

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
Edison Pace School	Other	0.0 miles	Good — 14 Dec 2022
Snowhill School	Other	0.1 miles	Good — 26 May 2022
Stoke-on-Trent College	Other	0.1 miles	— (No rating)
The Registry	Other	0.2 miles	— (No rating)
St Mark's CofE Primary School	Primary	0.2 miles	— (Inspected (no overall grade))

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
Clayworks, Hanley	£825/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£825/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£875/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£895/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£875/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£825/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£875/mo	—	0.44 miles	Rightmove
Clayworks, Hanley	£825/mo	—	0.44 miles	Rightmove
Stafford Street, Stoke-on-Trent, ST1	£575/mo	—	0.65 miles	Rightmove
The Webberley, Stoke-On-Trent, ST1	£620/mo	—	0.7 miles	Rightmove
Moxons Island, 48 Stafford Street, Stoke-on-Trent, Staffordshire, ST1	£525/mo	—	0.72 miles	Rightmove
Denbigh Street, Stoke-on-trent	£875/mo	3	0.91 miles	Rightmove
Denbigh Street, Hanley	£875/mo	3	0.91 miles	Rightmove
Milton Road, Sneyd Green, Stoke-on-Trent, ST1	£800/mo	3	2.08 miles	Rightmove
Mowbray Walk, Stoke-on-Trent, Staffordshire, ST1	£895/mo	3	2.29 miles	Rightmove

Average rent: £799/mo (15 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 10.0% gross yield avg £87,000 sale, £723/mo rent

Rent ratio 0.97%

Max investor price (0.8%) £103,125

Target investor price (1%) £82,500

Gross yield 11.6%

Cost-to-rent ratio 8.6×

Monthly cashflow £383/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 18.6%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
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).