Sold STC Flat

12 RUSKIN COURT

NEWPORT PAGNELL, MILTON KEYNES MK16 0JL

1 beds 1 baths 495 sq ft Listed 30 Oct 2025 (-315d)

£120,000

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# 1 bedroom apartment for sale (MK16 0JL)

## Property Details

| Key | Value |
|-----|-------|
| Address | 12 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES MK16 0JL |
| Price | £120,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 46 m² |
| Last sold | £116,000 Apr 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 06/11/2035
- **Current heating cost:** £809/year
- **Est. upgrade cost to C:** £3,300

### Recommendations
- A (£900 - £1,200)
- B (£900 - £1,500)
- Y (£600 - £1,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2104-1024-5028-5551-3186)

## Description

The property offers accommodation to comprise: communal entrance, spacious hallway with built-in storage for shoes and coats, light and airy lounge/diner with ample space for furniture, refitted kitchen including an oven, hob, fridge freezer, and space for a dishwasher, double bedroom with built-in furniture, and a bathroom fitted with a shower over the bath, toilet, and wash basin.

The property also benefits from electric heating through out, beautifully maintained communal gardens, as well as resident and visitor parking.

Ruskin Court is conveniently located just a short walk from Tesco Express ( less than 250m), Doctor’s Surgery, Pharmacy, The Kingfisher Pub, and a Fish and Chips takeaway, along with a nearby local park. There is also a Bus stop conveniently located to the front road of Ruskin Court which connects you to Milton Keynes City Centre, Cranfield, Bedford ect.

Ruskin Court is a private leasehold retirement scheme designed for independent living. Prospective buyers must be at least 55 years of age, although exceptions can be made for a partner to join.

Service Charge: Approximately £2,539.56 per year (£211.61 per month)

Lease Remaining: 58 years (99 years from 1985)

EPC: C

## Property Photos

- ![Front](/listings/photos/168806678/1222157) - Front
- ![Kitchen](/listings/photos/168806678/1222158) - Kitchen
- ![Bedroom 1](/listings/photos/168806678/1222159) - Bedroom 1
- ![Lounge/Diner](/listings/photos/168806678/1222160) - Lounge/Diner
- ![Communal Area](/listings/photos/168806678/1222161) - Communal Area
- ![Entrance Hall](/listings/photos/168806678/1222162) - Entrance Hall
- ![Kitchen](/listings/photos/168806678/1222163) - Kitchen
- ![Lounge/Diner](/listings/photos/168806678/1222164) - Lounge/Diner
- ![Bedroom 1](/listings/photos/168806678/1222165) - Bedroom 1
- ![Bedroom 1](/listings/photos/168806678/1222166) - Bedroom 1
- ![Picture No. 22](/listings/photos/168806678/1222167) - Picture No. 22
- ![1st Floor](/listings/photos/168806678/1222168) - 1st Floor
- ![Ruskin Court](/listings/photos/168806678/1222169) - Ruskin Court

## Floorplans

- ![Floorplan](/listings/photos/168806678/1222170) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/168806678/1222171) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 12 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £116,000 | 24/04/2026 | Detached |
| 12 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £51,500 | 08/10/1999 | 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 |
|---------|-------|------|------|
| [Same street] 6 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £110,000 | 30/04/2026 | Flat |
| [Same street] 32 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £190,000 | 19/12/2025 | Flat |
| [Same street] 1 - 55 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £322,389 | 01/11/2023 | Other |
| [Same street] 51 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £195,000 | 03/04/2023 | Flat |
| [Same street] 4 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £117,000 | 27/03/2023 | Flat |
| [Same street] 14 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £209,500 | 12/09/2022 | Flat |
| [Same street] 34 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £105,000 | 30/06/2022 | Flat |
| [Same street] 35 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL | £110,000 | 31/05/2022 | Flat |

**Street average:** £169,861 (8 sales)

## Price vs local average

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

- **Local average:** £158,500 (5 Flat, MK16, 2024–2026)
- **Deviation:** -24.3%

## Rental Range

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

- **Low:** £1,209/mo
- **Realistic:** £1,343/mo
- **Optimistic:** £1,477/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £424/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 |
|------|------|------|------|------|
| 1 Bed End Terrace, Mountsfield Close, MK16 | £1,200/mo | 1 | 0.21 miles | OpenRent |
| 1 Bed Detached House, Tickford Street, MK16 | £1,055/mo | 1 | 0.71 miles | OpenRent |
| 1 Bed Bungalow, Tickford St, MK16 | £1,050/mo | 1 | 0.8 miles | OpenRent |

**Average rent: £1,102/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.88% (okay)
- **Max investor price (0.8%):** £131,875
- **Target investor price (1%):** £105,500

*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 £1,055/mo).*

- **Gross yield:** 10.6%
- **Cost-to-rent:** 9.5×
- **Monthly cashflow:** £452/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 15.6%

*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:** £2,609/m²

## Capital growth trend

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

- **5y growth:** -12.6%
- **10y growth:** -28.8%

## House Price Index (HM Land Registry)

*Official index for Milton Keynes; Flats and maisonettes series; as of June 2026.*

- **1y growth (index):** -1.8%
- **5y growth (index):** 5.5%
- **10y growth (index):** 14.3%

## 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)

Front Kitchen Bedroom 1 Lounge/Diner Communal Area Entrance Hall Kitchen Lounge/Diner Bedroom 1 Bedroom 1 Picture No. 22 1st Floor Ruskin Court

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Property details

Tenure

LEASEHOLD (57 years remaining on lease)

Floor area

46 m²

Council tax band

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£116,000 Apr 2026

Price per m²

£2,609/m²

Local average

£158,500 (-24.3%)

Deprivation

Decile 8 (26,179 of 33,755)

Street crime

150 incidents within 1 mile (Jul 2026)

Key features

BRIGHT & SPACIOUS 1 BEDROOM APARTMENT
SUPERB OVER 55'S DEVELOPMENT CLOSE TO AMENITIES
REFITTED KITCHEN WITH APPLIANCES
SEALED UNIT DOUBLE GLAZING
SOLD WITH NO UPPER CHAIN
RESIDENTS PARKING
COUNCIL TAX BAND A
VIEWING STRONGLY RECOMMENDED

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Electric
Accessibility: Wide doorways
Parking: Residents
Listed property: No
Restrictions: Yes
Flooded in last 5 years: No
Flood defences: No

Description

Urban & Rural Newport Pagnell are delighted to bring to market this lovely first-floor over 55’s retirement apartment, ideally situated close to local amenities and bus stops on the popular Green Park Development.

The property offers accommodation to comprise: communal entrance, spacious hallway with built-in storage for shoes and coats, light and airy lounge/diner with ample space for furniture, refitted kitchen including an oven, hob, fridge freezer, and space for a dishwasher, double bedroom with built-in furniture, and a bathroom fitted with a shower over the bath, toilet, and wash basin.

The property also benefits from electric heating through out, beautifully maintained communal gardens, as well as resident and visitor parking.

Ruskin Court is conveniently located just a short walk from Tesco Express ( less than 250m), Doctor’s Surgery, Pharmacy, The Kingfisher Pub, and a Fish and Chips takeaway, along with a nearby local park. There is also a Bus stop conveniently located to the front road of Ruskin Court which connects you to Milton Keynes City Centre, Cranfield, Bedford ect.

Ruskin Court is a private leasehold retirement scheme designed for independent living. Prospective buyers must be at least 55 years of age, although exceptions can be made for a partner to join.

Service Charge: Approximately £2,539.56 per year (£211.61 per month)
Lease Remaining: 58 years (99 years from 1985)

EPC: C

Listed by

Newport Pagnell

Urban & Rural Property Services

Reference: 168806678

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 07/11/2025

Expiry date: 06/11/2035

Current heating cost: £809/year

Potential heating cost: £473/year

Est. upgrade cost to C: £3,300

Recommendations

Increase loft insulation to 270 mm (£900 - £1,200)
Cavity wall insulation (£900 - £1,500)
Heat recovery system for mixer showers (£600 - £1,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Building plot (shared): ~15,267 m² (3.77 acres) (area is for the building, not the flat)

Source: HM Land Registry INSPIRE Index Polygons.

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

Price history

125% since 1999

Event	Date	Price	% change
Listed for sale	—	£120,000	+3.4%
Sold	24/04/2026 (4 months ago)	£116,000	+125.2%
Sold	08/10/1999 (26 years ago)	£51,500	—

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
Same street 6 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£110,000	30/04/2026	Flat
Same street 32 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£190,000	19/12/2025	Flat
Same street 1 - 55 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£322,389	01/11/2023	Other
Same street 51 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£195,000	03/04/2023	Flat
Same street 4 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£117,000	27/03/2023	Flat
Same street 14 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£209,500	12/09/2022	Flat
Same street 34 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£105,000	30/06/2022	Flat
Same street 35 RUSKIN COURT, NEWPORT PAGNELL, MILTON KEYNES, MK16 0JL	£110,000	31/05/2022	Flat

Street average: £169,861 (8 sales)

Capital growth trend

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

5y growth -12.6%

10y growth -28.8%

House Price Index (HM Land Registry — official index, not sold-price averages): Milton Keynes. Series: Flats and maisonettes. As of June 2026.

1y (index) -1.8%

5y (index) 5.5%

10y (index) 14.3%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: RETIREMENT LEASE HOUSING ASSOCIATION (19730R)

Rental Range

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

Low £1,209/mo

Realistic £1,343/mo

Optimistic £1,477/mo

Based on Local Authority from postcode lookup → Milton Keynes.

LHA (30th percentile) floor for Grantham & Newark: £424/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View MK16 0JL

Nearby

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

Type	Name	Distance
Bus stop	Kingfisher Centre	0.1 miles
Shop	Tesco Express	0.1 miles
Shop	One Stop	0.5 miles
Hospital	Willen Hospice	1.1 miles
University	University of Bedfordshire Milton Keynes Campus	2.9 miles
Train station	Wolverton	3.4 miles
Train station	Milton Keynes Central	3.6 miles
Hospital	PJ Care Mallard House Neurological Care Centre	5.1 miles

Street-level crime

Category	Count
Violence and sexual offences	43
Anti-social behaviour	33
Public order	16
Other theft	13
Burglary	11
Shoplifting	11
Criminal damage and arson	9
Vehicle crime	9
Other crime	4
Robbery	1
Total incidents	150

Within 1 mile during Jul 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
Green Park School	Primary	0.3 miles	Good — 24 Feb 2014
E-Act Ousedale School	Secondary	0.4 miles	Good — 31 May 2012
Tickford Park Primary School	Primary	0.6 miles	Good — 15 Nov 2021
Cedars Primary School	Primary	0.6 miles	Good — 2 Nov 2011
Giffard Park Primary School	Primary	0.8 miles	Good — 23 Mar 2016

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
1 Bed End Terrace, Mountsfield Close, MK16	£1,200/mo	1	0.21 miles	OpenRent
1 Bed Detached House, Tickford Street, MK16	£1,055/mo	1	0.71 miles	OpenRent
1 Bed Bungalow, Tickford St, MK16	£1,050/mo	1	0.8 miles	OpenRent

Average rent: £1,102/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.88%

Max investor price (0.8%) £131,875

Target investor price (1%) £105,500

Gross yield 10.6%

Cost-to-rent ratio 9.5×

Monthly cashflow £452/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 15.6%

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).