Sold STC Semi-detached

129 CHURCH STREET

STOKE-ON-TRENT, TALKE, STAFFORDSHIRE ST7 1NX

2 beds 1 baths 732 sq ft Listed 26 Jul 2023 (-1037d)

£115,000

Guide Price

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# 2 bedroom semi-detached house for sale (ST7 1NX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 129 CHURCH STREET, STOKE-ON-TRENT, TALKE, STAFFORDSHIRE ST7 1NX |
| Price | £115,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: before 1900 |
| Floor area | 68 m² |
| Last sold | £114,000 Jan 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Current heating cost:** £734/year
- **Est. upgrade cost to C:** £23,500

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1034-8520-0209-0335-9222)

## Description

This delightful two bedroom end terrace home is perfect for first time buyers and investors alike.  Internally the property has a modern feel yet still retains a lovely warm and homely atmosphere. Located in the most sought after residential area of Church Street in Talke close to all local amenities, schools, Kidsgrove train station whilst access to the larger town centres of Newcastle & Stoke together with the A34, A500 & M6 commuter road links are all easily accessible. Benefits include two separate receptions, a modern white high gloss kitchen and a white bathroom suite. Further benefits include a master bedroom with a cloakroom off housing WC and wash hand basin, and a further bedroom overlooking the garden.   Upvc double glazing and gas central heating throughout.   Externally, the garden has been landscaped and includes a summer house and patio areas.  A viewing is recommended to appreciate this lovely home.

## Property Photos

- ![PHOTOGRAPHY](/listings/photos/137927405/375073) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375075) - PHOTOGRAPHY
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- ![PHOTOGRAPHY](/listings/photos/137927405/375078) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375080) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375082) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375085) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375087) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375088) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375089) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375091) - PHOTOGRAPHY
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- ![PHOTOGRAPHY](/listings/photos/137927405/375098) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/137927405/375100) - PHOTOGRAPHY

## Floorplans

- ![FLOOR-PLAN](/listings/photos/137927405/375102) - FLOOR-PLAN

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/137927405/375104) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 129 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £114,000 | 18/01/2024 | Terraced |
| 129 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £88,000 | 01/06/2016 | Terraced |
| 129 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £86,000 | 22/05/2015 | Terraced |
| 129 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £48,000 | 13/07/2005 | 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 |
|---------|-------|------|------|
| 6 BOWLING ALLEY STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1GA | £180,000 | 27/10/2025 | Semi-detached |
| [Same street] 81 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £65,000 | 17/07/2025 | Terraced |
| [Same street] 35 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £140,000 | 24/06/2024 | Terraced |
| [Same street] 101 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £113,000 | 26/04/2024 | Terraced |
| [Same street] 113 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £79,000 | 21/02/2024 | Terraced |
| 14 CHAPEL STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NN | £145,000 | 21/12/2023 | Semi-detached |
| 100 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NU | £135,000 | 06/10/2023 | Semi-detached |
| 45 SKELLERN STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NW | £100,000 | 04/08/2023 | Semi-detached |
| 42 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £199,995 | 30/06/2023 | Semi-detached |
| 59 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £192,995 | 26/05/2023 | Semi-detached |
| 48 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £199,995 | 27/02/2023 | Semi-detached |
| [Same street] 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £60,000 | 11/01/2023 | Terraced |
| 46 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £199,995 | 22/12/2022 | Semi-detached |
| 1 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £199,995 | 21/12/2022 | Semi-detached |
| 2 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ | £181,995 | 23/11/2022 | Semi-detached |
| [Same street] 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £57,000 | 11/11/2022 | Terraced |
| [Same street] 99 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £120,000 | 30/09/2022 | Semi-detached |
| [Same street] 135 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £136,000 | 26/09/2022 | Terraced |
| 74 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NU | £157,000 | 10/06/2022 | Semi-detached |
| [Same street] 33 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £112,500 | 22/04/2022 | Terraced |
| 22 CHAPEL STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NN | £175,000 | 12/04/2022 | Semi-detached |
| 9 KNOWLES VIEW, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1GH | £190,000 | 08/04/2022 | Semi-detached |
| [Same street] 69 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £82,000 | 18/03/2022 | Terraced |
| [Same street] 75 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £85,000 | 18/02/2022 | Terraced |
| [Same street] 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £70,000 | 22/12/2021 | Terraced |
| [Same street] 27 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £113,500 | 22/09/2021 | Semi-detached |
| [Same street] 51 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX | £85,000 | 06/08/2021 | Terraced |

**Street average:** £94,143 (14 sales)
**Area average:** £173,613 (13 sales)

## Price vs local average

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

- **Local average:** £210,652 (69 Semi-detached, ST7, 2024–2026)
- **Deviation:** -45.4%

## Rental Range

*ONS Price Index of Private Rents (Newcastle-under-Lyme). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £743/mo
- **Realistic:** £825/mo
- **Optimistic:** £908/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £573/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, Ravenscliffe Road, ST7 | £675/mo | 2 | 1.02 miles | OpenRent |
| [St Martins Road, STOKE-ON-TRENT](http://87.117.209.195:8080/listings/32ace8a) | £1,100/mo | 2 | 1.32 miles | Rightmove |

**Average rent: £888/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.77% (weak for cashflow)
- **Max investor price (0.8%):** £111,000
- **Target investor price (1%):** £88,800

*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 £888/mo).*

- **Gross yield:** 9.3%
- **Cost-to-rent:** 10.8×
- **Monthly cashflow:** £321/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.6%

*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:** £1,691/m²

## Capital growth trend

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

- **5y growth:** 39.1%
- **10y growth:** 64.9%

## House Price Index (HM Land Registry)

*Official index for Newcastle-under-Lyme; Semi-detached series; as of February 2026.*

- **1y growth (index):** 3.8%
- **5y growth (index):** 26.9%
- **10y growth (index):** 60.7%

## 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)

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Property details

Tenure

FREEHOLD

Floor area

68 m²

Council tax band

EPC rating

Year built

England and Wales: before 1900

Last sold

£114,000 Jan 2024

Price per m²

£1,691/m²

Local average

£210,652 (-45.4%)

Deprivation

Decile 5 (16,336 of 33,755)

Street crime

108 incidents within 1 mile (Mar 2026)

Additional details

Garden: Yes

Description

This delightful two bedroom end terrace home is perfect for first time buyers and investors alike. Internally the property has a modern feel yet still retains a lovely warm and homely atmosphere. Located in the most sought after residential area of Church Street in Talke close to all local amenities, schools, Kidsgrove train station whilst access to the larger town centres of Newcastle & Stoke together with the A34, A500 & M6 commuter road links are all easily accessible. Benefits include two separate receptions, a modern white high gloss kitchen and a white bathroom suite. Further benefits include a master bedroom with a cloakroom off housing WC and wash hand basin, and a further bedroom overlooking the garden. Upvc double glazing and gas central heating throughout. Externally, the garden has been landscaped and includes a summer house and patio areas. A viewing is recommended to appreciate this lovely home.

Listed by

Alsager

Countrywide UK Sales - Connells

Reference: 137927405

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 25/10/2024

Current heating cost: £734/year

Potential heating cost: £540/year

Est. upgrade cost to C: £23,500

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

FLOOR-PLAN

EPC Graphs

EPC Rating Graph

Price history

138% since 2005

Event	Date	Price	% change
Sold	18/01/2024 (2 years ago)	£114,000	+29.5%
Sold	01/06/2016 (9 years ago)	£88,000	+2.3%
Sold	22/05/2015 (11 years ago)	£86,000	+79.2%
Sold	13/07/2005 (20 years ago)	£48,000	—

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
6 BOWLING ALLEY STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1GA	£180,000	27/10/2025	Semi-detached
Same street 81 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£65,000	17/07/2025	Terraced
Same street 35 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£140,000	24/06/2024	Terraced
Same street 101 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£113,000	26/04/2024	Terraced
Same street 113 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£79,000	21/02/2024	Terraced
14 CHAPEL STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NN	£145,000	21/12/2023	Semi-detached
100 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NU	£135,000	06/10/2023	Semi-detached
45 SKELLERN STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NW	£100,000	04/08/2023	Semi-detached
42 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£199,995	30/06/2023	Semi-detached
59 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£192,995	26/05/2023	Semi-detached
48 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£199,995	27/02/2023	Semi-detached
Same street 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£60,000	11/01/2023	Terraced
46 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£199,995	22/12/2022	Semi-detached
1 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£199,995	21/12/2022	Semi-detached
2 BUNKERS HILL, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NZ	£181,995	23/11/2022	Semi-detached
Same street 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£57,000	11/11/2022	Terraced
Same street 99 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£120,000	30/09/2022	Semi-detached
Same street 135 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£136,000	26/09/2022	Terraced
74 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NU	£157,000	10/06/2022	Semi-detached
Same street 33 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£112,500	22/04/2022	Terraced
22 CHAPEL STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NN	£175,000	12/04/2022	Semi-detached
9 KNOWLES VIEW, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1GH	£190,000	08/04/2022	Semi-detached
Same street 69 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£82,000	18/03/2022	Terraced
Same street 75 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£85,000	18/02/2022	Terraced
Same street 95 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£70,000	22/12/2021	Terraced
Same street 27 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£113,500	22/09/2021	Semi-detached
Same street 51 CHURCH STREET, TALKE, STOKE-ON-TRENT, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST7 1NX	£85,000	06/08/2021	Terraced

Street average: £94,143 (14 sales)

Area average: £173,613 (13 sales)

Capital growth trend

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

5y growth 39.1%

10y growth 64.9%

House Price Index (HM Land Registry — official index, not sold-price averages): Newcastle-under-Lyme. Series: Semi-detached. As of February 2026.

1y (index) 3.8%

5y (index) 26.9%

10y (index) 60.7%

Rental Range

Estimated market rent for Newcastle-under-Lyme. Low = conservative, Realistic = average, Optimistic = best case.

Low £743/mo

Realistic £825/mo

Optimistic £908/mo

Based on Local Authority from postcode lookup → Newcastle-under-Lyme.

LHA (30th percentile) floor for South Cheshire: £573/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST7 1NX

Nearby

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

Type	Name	Distance
Shop	Kard Sharp	0.1 miles
Shop	Reflections Hairdressers	0.1 miles
Bus stop	Reginald Mitchell School	0.2 miles
Train station	Kidsgrove	0.7 miles
Train station	Alsager	1.6 miles
Hospital	Haywood Hospital Walk-in Centre	3.6 miles
University	Keele University	6.0 miles
Hospital	Royal Stoke University Hospital	6.1 miles
University	University of Buckingham Crewe Campus	6.7 miles

Street-level crime

Category	Count
Violence and sexual offences	49
Anti-social behaviour	26
Criminal damage and arson	8
Other theft	7
Vehicle crime	7
Shoplifting	4
Burglary	3
Public order	3
Other crime	1
Total incidents	108

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
The Reginald Mitchell Primary School	Primary	0.2 miles	Good — 17 Jan 2017
St Saviour's CofE Academy	Primary	0.2 miles	Good — 8 Apr 2014
The King's CofE Academy	Secondary	0.7 miles	Good — 19 Jan 2018
Bluebell School Ltd	Other	0.7 miles	Outstanding — 22 Jan 2023
St John the Evangelist Catholic Primary	Primary	0.9 miles	Good — 11 Sep 2015

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, Ravenscliffe Road, ST7	£675/mo	2	1.02 miles	OpenRent
St Martins Road, STOKE-ON-TRENT	£1,100/mo	2	1.32 miles	Rightmove

Average rent: £888/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.77%

Max investor price (0.8%) £111,000

Target investor price (1%) £88,800

Gross yield 9.3%

Cost-to-rent ratio 10.8×

Monthly cashflow £321/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11.6%

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).