# 2 bedroom flat for sale (ST15 8YU) ## Property Details | Key | Value | |-----|-------| | Address | 86 NAVIGATION LOOP, STONE, STAFFORDSHIRE ST15 8YU | | Price | £130,000 | | Bedrooms | 2 | | Bathrooms | 1 | | Council tax | B | | Construction age | England and Wales: 1996-2002 | | Floor area | 51 m² | | Last sold | £123,900 Mar 2016 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** C - **Expiry date:** 27/03/2029 - **Current heating cost:** £295/year - **Est. upgrade cost to C:** £5,000 ### Recommendations - W2 (£4,000 - £6,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2188-5020-6247-5621-3934) ## Description A well-presented two-bedroom ground-floor apartment situated on the popular Whitebridge Estate in Stone ideally placed within close proximity of the town centre, local amenities, railway station and transport links. Making an ideal first time, downsize or bolt hole opportunity the property offers well presented accommodation comprising of an entrance hallway, spacious living/dining area, fitted kitchen, family bathroom and two well-proportioned bedrooms one with built in wardrobes. The ground-floor position provides easy and convenient access, while the development benefits from communal outdoor areas and allocated parking for both residents and visitors.  Accommodation:  Entrance Hall: Living Room/Dining Area: Open plan with window to the front  Family Bathroom: With frosted window to the rear, three piece suite Fitted Kitchen: With a range of base and and wall units, worktops, fridge, integrated oven and hob, space and plumbing for washing machine, wall mounted GCH boiler, window to the rear, door opening externally  Inner Hallway: With built in storage Two Double Bedrooms: The master with built in wardrobes Externally: Private car park to the rear providing parking for residents and visitors  **EPC Asset Rating:** Energy efficiency C **Viewings:** Please contact Belvoir Stone or email kelly. **Tenure:** We are advised that the tenure is Leasehold. The lease commenced on 01/04/2001 for a period of 125 Years. There is currently a ground rent of  apx £75 per annum and a management fee of apx £590.04 per annum which is paid in 4 monthly instalments of £147.51. The management company charges cover the buildings insurance, external window cleaning, groundworks and grass cutting. These details should be checked by the purchasers legal representative prior to signing contracts. **Services:** All mains services are connected in accordance with normal terms of supply, telephone subject to normal terms and conditions. The gas and electrical appliances mentioned have not been tested by us and Purchasers are therefore advised to undertake their own tests should they consider this necessary. All interested parties should obtain verification through their solicitor or surveyor before entering a legal commitment to purchase. EPC rating: C. Tenure: Leasehold, Known building safety issues or planned/required works: None known Planning permissions: usual providers Mobile signal information: Depends on provider ## Property Photos - ![Photo](/listings/photos/93248214/2442577) - ![Photo](/listings/photos/93248214/2442578) - ![Photo](/listings/photos/93248214/2442579) - ![Photo](/listings/photos/93248214/2442580) - ![Photo](/listings/photos/93248214/2442581) - ![Photo](/listings/photos/93248214/2442582) - ![Photo](/listings/photos/93248214/2442583) ## Floorplans - ![Floorplan](/listings/photos/93248214/2442584) - Floorplan ## EPC Graphs - ![EPC Certificate](/listings/photos/93248214/2442585) - EPC Certificate ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 86 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £123,900 | 30/03/2016 | Flat | | 86 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £120,000 | 13/12/2010 | Flat | ## 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] 46 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £100,000 | 28/04/2023 | Flat | | [Same street] 34 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £90,000 | 14/03/2023 | Flat | | [Same street] 46 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £100,000 | 16/12/2022 | Flat | | [Same street] 36 NAVIGATION LOOP, STONE, STAFFORD, STAFFORDSHIRE, ST15 8YU | £105,000 | 22/07/2022 | Flat | **Street average:** £98,750 (4 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £153,286 (7 Flat, ST15, 2024–2026) - **Deviation:** -15.2% ## Rental Range *ONS Price Index of Private Rents (Stafford). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £812/mo - **Realistic:** £902/mo - **Optimistic:** £992/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Staffordshire North (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £479/mo ## 1% Rule - **Rent ratio:** 0.69% (weak for cashflow) - **Max investor price (0.8%):** £112,750 - **Target investor price (1%):** £90,200 *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 Area rent estimate.* ## Price per Square Metre - **£/m²:** £2,549/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 56.9% - **10y growth:** 35.4% ## House Price Index (HM Land Registry) *Official index for Stafford; Flats and maisonettes series; as of August 2026.* - **1y growth (index):** 0.9% - **5y growth (index):** 8.9% - **10y growth (index):** 24.9% ## 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)