# 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

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

## 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] 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:** £178,413 (7 sales)

## Price vs local average

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

- **Local average:** £170,625 (4 Flat, MK16, 2024–2026)
- **Deviation:** -29.7%

## Rental Range

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

- **Low:** £1,202/mo
- **Realistic:** £1,336/mo
- **Optimistic:** £1,470/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 Detached House, Tickford Street, MK16 | £1,055/mo | 1 | 0.71 miles | OpenRent |

**Average rent: £1,055/mo (1 listing)**

## 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:** -30.1%
- **10y growth:** 10%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -6.3%
- **5y growth (index):** 3.8%
- **10y growth (index):** 12.2%

## 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)