# 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 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. ## Property Photos - ![Photo](/listings/photos/165117050/942492) - Photo - ![Photo](/listings/photos/165117050/942494) - Photo - ![Photo](/listings/photos/165117050/942495) - Photo - ![Photo](/listings/photos/165117050/942496) - Photo - ![Photo](/listings/photos/165117050/942500) - Photo - ![Photo](/listings/photos/165117050/942506) - Photo - ![Photo](/listings/photos/165117050/942513) - Photo - ![Photo](/listings/photos/165117050/942516) - Photo - ![Photo](/listings/photos/165117050/942522) - Photo - ![Photo](/listings/photos/165117050/942527) - Photo - ![Photo](/listings/photos/165117050/942530) - Photo - ![Photo](/listings/photos/165117050/942534) - Photo - ![Photo](/listings/photos/165117050/942540) - Photo - ![Photo](/listings/photos/165117050/942542) - Photo - ![Photo](/listings/photos/165117050/942545) - Photo - ![Photo](/listings/photos/165117050/942548) - Photo - ![Photo](/listings/photos/165117050/942552) - Photo ## 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:** 28.7% - **10y growth:** 92.1% ## 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)