Sold STC Terraced

8 RAMSEY STREET

MANCHESTER, GREATER MANCHESTER M40 5HW

3 beds 1 baths 66 m² Listed 30 Jul 2025 (-356d)

£200,000

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# 3 bedroom terraced house for sale (M40 5HW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 8 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER M40 5HW |
| Price | £200,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £185,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 25/07/2035
- **Current heating cost:** £799/year
- **Est. upgrade cost to C:** £16,765

### Recommendations
- W1 (£5,000 - £10,000)
- C (£20 - £40)
- G (£220 - £250)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/6200-2969-0422-3523-3353)

## Description

The property would benefit from some light updating but is clean, solid, and ready to move into. To the front of the property, there is also a private driveway for off-road parking.

Located close to local schools, shops, and transport links, this home would be perfect for a first time buyer or investor.

## Property Photos

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## Floorplans

- ![Focal Integrated](/listings/photos/165117050/942553) - Focal Integrated

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/165117050/942556) - EPC Rating Graph

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #4607327
- **Address:** 8 Ramsey Street, MANCHESTER, M40 5HW
- **Certificate Issued:** 03/04/2007
- **Work Completed:** 16/03/2007
- **Items:** 2 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 8 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW | £185,000 | 27/01/2026 | Semi-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 |
|---------|-------|------|------|
| 262 KENYON LANE, MANCHESTER, GREATER MANCHESTER, M40 5EH | £160,000 | 04/03/2025 | Terraced |
| 137 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ | £160,000 | 30/11/2023 | Terraced |
| 24 KIRKBY AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HN | £120,000 | 09/11/2023 | Terraced |
| [Same street] 18 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW | £172,000 | 22/09/2023 | Terraced |
| 43 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HB | £205,000 | 31/08/2023 | Terraced |
| [Same street] 27 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW | £115,000 | 29/03/2023 | Terraced |
| 115 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ | £137,000 | 19/12/2022 | Terraced |
| 49 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG | £127,500 | 18/11/2022 | Terraced |
| 4 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG | £108,000 | 21/10/2022 | Terraced |
| 78 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HA | £151,200 | 16/09/2022 | Terraced |
| 89 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG | £108,500 | 25/08/2022 | Terraced |
| 96 LANGWORTHY ROAD, MANCHESTER, GREATER MANCHESTER, M40 5EQ | £100,000 | 15/07/2022 | Terraced |
| [Same street] 4 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW | £160,000 | 23/05/2022 | Terraced |
| 127 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ | £100,250 | 11/04/2022 | Terraced |
| 15 SULBY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HR | £70,000 | 16/02/2022 | Terraced |
| 15 SULBY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HR | £70,000 | 16/02/2022 | Terraced |
| 65 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG | £155,100 | 17/12/2021 | Terraced |
| 26 ST GEORGES DRIVE, MANCHESTER, GREATER MANCHESTER, M40 5HP | £125,000 | 26/11/2021 | Terraced |
| 3 LEYTON AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HT | £140,000 | 03/11/2021 | Terraced |
| 104 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ | £96,000 | 02/09/2021 | Terraced |
| 15 KIRKBY AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HN | £140,000 | 13/08/2021 | Terraced |

**Street average:** £149,000 (3 sales)
**Area average:** £126,308 (18 sales)

## Price vs local average

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

- **Local average:** £167,603 (42 Terraced, M40, 2024–2026)
- **Deviation:** +19.3%

## Rental Range

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

- **Low:** £1,217/mo
- **Realistic:** £1,352/mo
- **Optimistic:** £1,487/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £504/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 |
|------|------|------|------|------|
| 3 Bed Terraced House, Chinley Avenue, M40 | £1,150/mo | 3 | 0.2 miles | OpenRent |
| 3 Bed Detached House, Wilfred St, M40 | £1,400/mo | 3 | 0.3 miles | OpenRent |
| 3 Bed Terraced House, Worsley Avenue, M40 | £1,400/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed End Terrace, Mapledon Road, M9 | £1,595/mo | 3 | 0.55 miles | OpenRent |
| 3 Bed End Terrace, Dollond St, M9 | £1,250/mo | 3 | 0.81 miles | OpenRent |

**Average rent: £1,359/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.7% (weak for cashflow)
- **Max investor price (0.8%):** £175,000
- **Target investor price (1%):** £140,000

*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 £1,400/mo).*

- **Gross yield:** 8.4%
- **Cost-to-rent:** 11.9×
- **Monthly cashflow:** £447/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 9.3%

*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:** £3,030/m²

## Capital growth trend

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

- **5y growth:** 29.3%
- **10y growth:** 87.6%

## House Price Index (HM Land Registry)

*Official index for Manchester; Terraced series; as of April 2026.*

- **1y growth (index):** 3.1%
- **5y growth (index):** 22.3%
- **10y growth (index):** 82.7%

## 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

66 m²

Council tax band

EPC rating

Last sold

£185,000 Jan 2026

Price per m²

£3,030/m²

Local average

£167,603 (+19.3%)

Deprivation

Decile 1 (1,738 of 33,755)

Street crime

0 incidents within 1 mile (May 2026)

Additional details

Parking: Yes
Garden: Yes

Description

This three-bedroom freehold terraced home on Ramsey Street offers plenty of potential. Internally there are two double bedrooms, a single bedroom, and a shower room to the first floor. The ground floor features a bright lounge leading through to a kitchen/diner, and a conservatory leading out to a decent-sized rear garden.
The property would benefit from some light updating but is clean, solid, and ready to move into. To the front of the property, there is also a private driveway for off-road parking.
Located close to local schools, shops, and transport links, this home would be perfect for a first time buyer or investor.

Listed by

Manchester

Countrywide UK Sales - Connells

Reference: 165117050

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 26/07/2025

Expiry date: 25/07/2035

Current heating cost: £799/year

Potential heating cost: £671/year

Est. upgrade cost to C: £16,765

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Floor insulation (suspended floor) (£5,000 - £10,000)
Increase hot water cylinder insulation (£20 - £40)
Upgrade heating controls (£220 - £250)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Focal Integrated

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #4607327

Property Details

Street: 8 Ramsey Street

Town: MANCHESTER

Postcode: M40 5HW

Installation Details

Items: 2 windows

Certificate Issued: 03/04/2007

Work Completed: 16/03/2007

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	27/01/2026 (5 months ago)	£185,000	—

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
262 KENYON LANE, MANCHESTER, GREATER MANCHESTER, M40 5EH	£160,000	04/03/2025	Terraced
137 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ	£160,000	30/11/2023	Terraced
24 KIRKBY AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HN	£120,000	09/11/2023	Terraced
Same street 18 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW	£172,000	22/09/2023	Terraced
43 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HB	£205,000	31/08/2023	Terraced
Same street 27 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW	£115,000	29/03/2023	Terraced
115 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ	£137,000	19/12/2022	Terraced
49 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG	£127,500	18/11/2022	Terraced
4 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG	£108,000	21/10/2022	Terraced
78 JOYCE STREET, MANCHESTER, GREATER MANCHESTER, M40 5HA	£151,200	16/09/2022	Terraced
89 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG	£108,500	25/08/2022	Terraced
96 LANGWORTHY ROAD, MANCHESTER, GREATER MANCHESTER, M40 5EQ	£100,000	15/07/2022	Terraced
Same street 4 RAMSEY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HW	£160,000	23/05/2022	Terraced
127 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ	£100,250	11/04/2022	Terraced
15 SULBY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HR	£70,000	16/02/2022	Terraced
15 SULBY STREET, MANCHESTER, GREATER MANCHESTER, M40 5HR	£70,000	16/02/2022	Terraced
65 OSCAR STREET, MANCHESTER, GREATER MANCHESTER, M40 9EG	£155,100	17/12/2021	Terraced
26 ST GEORGES DRIVE, MANCHESTER, GREATER MANCHESTER, M40 5HP	£125,000	26/11/2021	Terraced
3 LEYTON AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HT	£140,000	03/11/2021	Terraced
104 ADRIAN STREET, MANCHESTER, GREATER MANCHESTER, M40 5FQ	£96,000	02/09/2021	Terraced
15 KIRKBY AVENUE, MANCHESTER, GREATER MANCHESTER, M40 5HN	£140,000	13/08/2021	Terraced

Street average: £149,000 (3 sales)

Area average: £126,308 (18 sales)

Capital growth trend

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

5y growth 29.3%

10y growth 87.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Manchester. Series: Terraced. As of April 2026.

1y (index) 3.1%

5y (index) 22.3%

10y (index) 82.7%

Rental Range

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

Low £1,217/mo

Realistic £1,352/mo

Optimistic £1,487/mo

Based on Local Authority from postcode lookup → Manchester.

LHA (30th percentile) floor for West Pennine: £504/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View M40 5HW

Nearby

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

Type	Name	Distance
Bus stop	Joyce Street/Kenyon Lane	0.0 miles
Bus stop	Joyce Street/Leyton Avenue	0.1 miles
Shop	Premier	0.4 miles
Shop	Sam's Convenience Store	0.4 miles
Train station	Moston	1.2 miles
Train station	Ashburys	2.6 miles
University	UCEN Manchester (City Campus)	2.7 miles
University	University of Law	2.9 miles
Hospital	Shiv Lodge Medical Centre	3.7 miles
Hospital	The Ailsa Craig Medical Practise	3.9 miles

Street-level crime

Category	Count
Total incidents	0

Within 1 mile during May 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
Harpurhey Alternative Provision School	Other	0.1 miles	Inadequate — 24 Feb 2023
St Dunstan's RC Primary School	Primary	0.2 miles	Good — 21 Apr 2016
Lily Lane Primary School	Primary	0.4 miles	Inadequate — 18 Jul 2022
Co-op Academy Broadhurst	Primary	0.4 miles	Good — 23 Nov 2017
Camberwell Park Specialist Support School	Other	0.5 miles	— (No rating)

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
3 Bed Terraced House, Chinley Avenue, M40	£1,150/mo	3	0.2 miles	OpenRent
3 Bed Detached House, Wilfred St, M40	£1,400/mo	3	0.3 miles	OpenRent
3 Bed Terraced House, Worsley Avenue, M40	£1,400/mo	3	0.5 miles	OpenRent
3 Bed End Terrace, Mapledon Road, M9	£1,595/mo	3	0.55 miles	OpenRent
3 Bed End Terrace, Dollond St, M9	£1,250/mo	3	0.81 miles	OpenRent

Average rent: £1,359/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.7%

Max investor price (0.8%) £175,000

Target investor price (1%) £140,000

Gross yield 8.4%

Cost-to-rent ratio 11.9×

Monthly cashflow £447/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 9.3%

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).