For sale Retirement Property

Apartment 14

THE SIDINGS, WHARF STREET, LYTHAM ST ANNES, LANCASHIRE FY8 5FU

2 beds 2 baths Listed 19 May 2026 (-97d)

£450,000

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Property details

Tenure

LEASEHOLD

Council tax band

C

Last sold

£460,270 Nov 2023

Local average

£346,592 (+29.8%)

Street crime

42 incidents within 1 mile (Jun 2026)

Key features

  • Energy Efficient with an EPC Grade B.
  • Council Tax Band C. Fylde.
  • GROUND FLOOR 2-bedroom, 2-bathroom apartment with additional study.
  • One of only three apartments of this style nad design within the community.
  • Patio adjoining the beautifully maintained communal gardens
  • 24-hour emergency call system linked directly to dedicated on-site team
  • Homeowner on-site parking.
  • Table service restaurant, homeowner lounge and many communal facilities
  • Leasehold. 250 years from 1 January 2022.
  • A range of regular homeowner activities to enjoy with like-minded people

Additional details

Electricity
Mains supply
Water
Mains supply
Sewerage
Mains supply
Heating
Electric
Parking
Not allocated, Residents, Communal
Garden
Yes
Listed property
No
Restrictions
No
Required access
No
Rights of way
No
Flooded in last 5 years
No
Flood defences
No

Description

A truly exceptional opportunity to acquire one of only three apartments of this exclusive design within the prestigious The Sidings, an independent retirement community for the over-55s, professionally managed by Adlington Management Services.
This beautifully appointed two-bedroom, two-bathroom ground floor apartment is a rare gem within the development, offering a significantly larger footprint than the majority of two-bedroom apartments. Designed with both comfort and practicality in mind, Apartment 14 benefits from an enhanced layout featuring a larger-than-average living and dining room, creating a wonderful sense of light and space, together with the valuable addition of a separate study, ideal as a home office, reading room or hobby space.
The spacious living area enjoys patio doors opening directly onto the beautifully maintained communal gardens, offering peaceful views and seamless access to the landscaped outdoor spaces. This enviable ground floor position allows residents to enjoy all the benefits of garden-side living, perfect for relaxing with a morning coffee or entertaining visiting family and friends.
As one of only three apartments of this particular design within this select development, Apartment 14 offers a rare combination of space, versatility and outlook seldom available at The Sidings.
The Sidings is an exclusive development of just 65 privately owned apartments, thoughtfully designed to provide the perfect balance of independence, companionship and reassurance. Here, residents can enjoy an active and fulfilling lifestyle, free from the concerns of property maintenance and everyday practicalities, while retaining complete independence and privacy.
The many benefits of independent retirement living include the freedom to set your own timetable and live entirely as you choose, alongside the comfort of knowing dedicated staff are available 24 hours a day, 7 days a week, offering invaluable peace of mind for both homeowners and their families. The community environment also creates opportunities for friendship, social connection and participation in as much, or as little, as you wish.
Homeowners enjoy access to an exceptional range of beautifully maintained communal facilities, including:
Elegant on-site restaurant*
Beautifully appointed homeowners’ lounge with outdoor patio area
Activities studio
Therapy suite*
Hairdressing salon*
Cinema room
Internal mobility scooter and bicycle store with electric charging facilities
Fully furnished guest suite with en-suite shower room, television and tea/coffee making facilities
Lifts to all floors
Private homeowners’ parking
Extensive landscaped gardens with raised flower beds
(*charges may apply)
Ideally situated in the heart of Lytham St Annes, The Sidings enjoys a superb location within one of the Fylde Coast’s most desirable and charming seaside towns. Renowned for its elegant tree-lined streets, independent boutiques, welcoming cafés, beautiful promenade and award-winning green spaces, Lytham St Annes offers an enviable lifestyle. The town combines traditional coastal charm with excellent local amenities, transport links and a thriving social scene, making it an ideal setting for relaxed and fulfilling retirement living.
Apartment 14 represents a rare chance to secure a spacious and distinctive home within this highly regarded retirement community, offering luxury, convenience, security and an outstanding quality of life in one of Lancashire’s most sought-after coastal locations.

Listed by

Congleton

ADLINGTON ESTATES LIMITED

Reference: 88667625

EPC ratings on this postcode

We don't have a matched EPC for this property yet. Below are efficiency scores and details for other addresses on this postcode.

Address Current Potential Floor area Age band Type
1 The Sidings, Wharf Street, LYTHAM ST ANNES 88 88 76 m² Flat
10 The Sidings, Wharf Street, LYTHAM ST ANNES 88 88 73 m² Flat
11 The Sidings, Wharf Street, LYTHAM ST ANNES 87 87 81 m² Flat
12 The Sidings, Wharf Street, LYTHAM ST ANNES 87 87 81 m² Flat
14 The Sidings, Wharf Street, LYTHAM ST ANNES 84 84 94 m² Flat
15 The Sidings, Wharf Street, LYTHAM ST ANNES 86 86 79 m² Flat
16 The Sidings, Wharf Street, LYTHAM ST ANNES 86 86 79 m² Flat
17 The Sidings, Wharf Street, LYTHAM ST ANNES 86 86 100 m² Flat
18 The Sidings, Wharf Street, LYTHAM ST ANNES 88 88 94 m² Flat
19 The Sidings, Wharf Street, LYTHAM ST ANNES 88 88 79 m² Flat
2 The Sidings, Wharf Street, LYTHAM ST ANNES 86 86 36 m² Flat
20 The Sidings, Wharf Street, LYTHAM ST ANNES 87 87 79 m² Flat
21 The Sidings, Wharf Street, LYTHAM ST ANNES 87 87 100 m² Flat
22 The Sidings, Wharf Street, LYTHAM ST ANNES 88 88 79 m² Flat
23 The Sidings, Wharf Street, LYTHAM ST ANNES 89 89 74 m² Flat

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Registered land (INSPIRE)

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

Plot: ~10,382 m² (2.57 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Floorplans

Floorplan 1

Floorplan 1

EPC Graphs

EPC 1

EPC 1

Price history

Event Date Price % change
Listed for sale £450,000 -2.2%
Sold 30/11/2023 (2 years ago) £460,270

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
26 EAST BEACH, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5EX £1,500,000 23/10/2025 Other
11 STATION ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DH £185,100 09/07/2025 Other
75 WARTON STREET, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DG £2,250 12/12/2022 Other
47 GARAGE AT THE BACK OF WARTON STREET, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DQ £25,000 22/11/2022 Other
1A WEST CLIFFE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DR £255,000 02/09/2022 Other
6A STATION ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DH £150,000 02/09/2022 Other
23 EAST BEACH, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5EX £2,700,000 12/05/2022 Other
1A WEST CLIFFE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DR £195,000 31/08/2021 Other

Area average: £626,544 (8 sales)

Capital growth trend

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

5y growth 67%
10y growth 399.1%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: All dwelling types. As of May 2026.

1y (index) 5.7%
5y (index) 26.8%
10y (index) 59.6%

Rental Range

Estimated market rent for North West. Low = conservative, Realistic = average, Optimistic = best case.

Low £865/mo
Realistic £961/mo
Optimistic £1,057/mo

Based on Postcode area FY → North West.

LHA (30th percentile) floor for Fylde Coast: £541/mo (Apr 2025 – Mar 2026)

Location

Address

Lytham, Borough of Fylde, Lancashire, England, FY8 5FU, United Kingdom

Nearby

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

Type Name Distance
Shop Bargain Booze Select Convenience 0.2 miles
Shop Fashion Nails 0.2 miles
Bus stop Unknown 0.2 miles
Train station Lytham 0.4 miles
Train station Ansdell and Fairhaven 1.6 miles
University Westleigh Conference Centre 8.1 miles
University Blackpool and The Fylde College 8.8 miles
Hospital Ramsay Fulwood Hall Hospital 11.5 miles

Street-level crime

Category Count
Violence and sexual offences 10
Anti-social behaviour 8
Other theft 6
Vehicle crime 6
Public order 4
Criminal damage and arson 3
Burglary 1
Drugs 1
Other crime 1
Shoplifting 1
Theft from the person 1
Total incidents 42

Within 1 mile during Jun 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
St Bede's Catholic High School, Lytham Secondary 0.3 miles Good — 22 Feb 2014
Lytham Church of England Voluntary Aided Primary School Primary 0.4 miles (Inspected (no overall grade))
St Peter's Catholic Primary School, Lytham Primary 0.4 miles Good — 28 Feb 2019
Lytham Hall Park Primary School Primary 0.8 miles Outstanding — 23 Nov 2021
Ansdell Primary School Primary 1.7 miles Good — 14 Feb 2014

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, The Mariners, FY8 £1,195/mo 2 0.06 miles OpenRent
2 Bed Flat, Bridge Court, FY8 £795/mo 2 0.51 miles OpenRent
2 Bed Flat, Fairlawn Road, FY8 £2,000/mo 2 1.01 miles OpenRent
2 Bed Flat, Riversleigh Court, FY8 £795/mo 2 1.19 miles OpenRent

Average rent: £1,196/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.22%
Max investor price (0.8%) £124,375
Target investor price (1%) £99,500
Gross yield 2.7%
Cost-to-rent ratio 37.7×
Monthly cashflow £-902/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term
Cash-on-cash ROI -8.3%
  • 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).

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