# 2 bedroom terraced house for sale (ST6 5HT) ## Property Details | Key | Value | |-----|-------| | Address | 20 Madison Street, Stoke-on-Trent, ST6 5HT | | Price | £40,000 | | Bedrooms | 2 | | Council tax | A | ## Description LOT 172 **FOR SALE BY ONLINE AUCTION** on 13th May 2026 Six Week Completion or Earlier Freehold House Vacant Possession Situated off Hawes Street, close to local shopping/travelling facilities including Longport Train Station. Victoria Park is also nearby. A **Terrace House** requiring modernisation with accommodation arranged on **Two Floors** comprising: **First Floor** Bedroom (One) Bedroom (Two) **Ground Floor** Living Room Kitchen Bathroom/WC **Garden at Rear** Tenancy Vacant Possession EPC Rating D Council Tax Band A *Guides are provided as an indication of each seller's minimum expectation. They are not necessarily figures which a property will sell for and may change at any time prior to the auction. Each property will be offered subject to a Reserve (a figure below which the Auctioneer cannot sell the property during the auction) which we expect will be set within the Guide Range or no more than 10% above a single figure Guide. Guide prices will be continually updated on our website up until the day of the auction. There is a buyers fee payable to McHugh & Co of £1,200 incl. VAT for lots sold over £10,000. Lots sold for less than £10,000 a buyers fee of £300 incl. VAT is to be paid to McHugh & Co. The seller may charge additional fees payable upon completion. If applicable, such fees are detailed within the special conditions of sale available in the legal documentation. Buyers are deemed to bid in full knowledge of this. ## Property Photos - ![Photo](/listings/photos/174898121/216663) - ![Photo](/listings/photos/174898121/216664) - ![Photo](/listings/photos/174898121/216665) - ![Photo](/listings/photos/174898121/216666) - ![Photo](/listings/photos/174898121/216667) - ![Photo](/listings/photos/174898121/216668) - ![Photo](/listings/photos/174898121/216669) - ![Photo](/listings/photos/174898121/216670) - ![Photo](/listings/photos/174898121/216671) - ![Photo](/listings/photos/174898121/216672) - ![Photo](/listings/photos/174898121/216673) - ![Photo](/listings/photos/174898121/216674) - ![Photo](/listings/photos/174898121/216675) - ![Photo](/listings/photos/174898121/216676) - ![Photo](/listings/photos/174898121/216677) ## Floorplans - ![Floorplan 1](/listings/photos/174898121/216678) - Floorplan 1 ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 2 HENRY STREET, STOKE-ON-TRENT, ST6 5HP | £90,000 | 18/12/2025 | Terraced | | 12 MADISON COURT, STOKE-ON-TRENT, ST6 5HE | £248,500 | 14/11/2025 | Terraced | | 27 PARSONAGE STREET, STOKE-ON-TRENT, ST6 5HL | £105,000 | 17/10/2025 | Terraced | | 84 BOND STREET, STOKE-ON-TRENT, ST6 5HF | £75,000 | 10/10/2025 | Terraced | | 43 BANK STREET, STOKE-ON-TRENT, ST6 5HW | £50,000 | 20/12/2024 | Terraced | | 25 BANK STREET, STOKE-ON-TRENT, ST6 5HW | £84,000 | 27/09/2024 | Terraced | | 78 NASH PEAKE STREET, STOKE-ON-TRENT, ST6 5BT | £73,000 | 01/12/2023 | Terraced | | 27 BROOMHILL STREET, STOKE-ON-TRENT, ST6 5JB | £93,000 | 30/11/2023 | Terraced | | 57 MADISON STREET, STOKE-ON-TRENT, ST6 5HS | £56,000 | 21/11/2023 | Terraced | | 6 JACQUELINE STREET, STOKE-ON-TRENT, ST6 5JA | £105,500 | 15/11/2023 | Terraced | | 106 NASH PEAKE STREET, STOKE-ON-TRENT, ST6 5BT | £68,000 | 08/11/2023 | Terraced | | 365 HIGH STREET, STOKE-ON-TRENT, ST6 5EN | £113,000 | 20/10/2023 | Terraced | | 32 BANK STREET, STOKE-ON-TRENT, ST6 5HW | £85,000 | 19/10/2023 | Terraced | | 103 MADISON STREET, STOKE-ON-TRENT, ST6 5HS | £69,500 | 03/10/2023 | Terraced | | 85 NASH PEAKE STREET, STOKE-ON-TRENT, ST6 5BS | £61,000 | 29/09/2023 | Terraced | | 1 ROBERT STREET, STOKE-ON-TRENT, ST6 5BD | £95,000 | 25/09/2023 | Terraced | | 58 BROOMHILL STREET, STOKE-ON-TRENT, ST6 5JD | £91,500 | 21/09/2023 | Terraced | | 5 BROOMHILL STREET, STOKE-ON-TRENT, ST6 5JB | £85,000 | 06/09/2023 | Terraced | | 73 ROUNDWELL STREET, STOKE-ON-TRENT, ST6 5AW | £75,000 | 14/07/2023 | Terraced | | 26 BANK STREET, STOKE-ON-TRENT, ST6 5HW | £80,000 | 30/06/2023 | Terraced | **Area average:** £90,150 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £101,564 (106 Terraced, ST6, 2024–2026) - **Deviation:** -60.6% ## Rental Range *ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £637/mo - **Realistic:** £708/mo - **Optimistic:** £779/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Staffordshire North (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £479/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 | |------|------|------|------|------| | [Bank Street, Tunstall](http://87.117.209.195:8080/listings/ae41953) | £700/mo | 2 | 0.06 miles | Rightmove | | [Bond Street, Tunstall](http://87.117.209.195:8080/listings/b6c0632) | £750/mo | 2 | 0.14 miles | Rightmove | | [St Aidans Street, Stoke-on-trent](http://87.117.209.195:8080/listings/33a0c08) | £750/mo | 2 | 0.16 miles | Rightmove | | [Machin Street, Tunstall](http://87.117.209.195:8080/listings/c4bae92) | £750/mo | 2 | 0.32 miles | Rightmove | | [The Boulevard, Stoke-on-Trent, ST6](http://87.117.209.195:8080/listings/23de26c) | £595/mo | — | 0.39 miles | Rightmove | | [High Street, Tunstall](http://87.117.209.195:8080/listings/e335dc3) | £550/mo | — | 0.43 miles | Rightmove | | [Pinnox Street, Stoke-On-Trent](http://87.117.209.195:8080/listings/484eeb3) | £850/mo | 2 | 0.55 miles | Rightmove | | [King William Street, Tunstall](http://87.117.209.195:8080/listings/db79036) | £750/mo | 2 | 0.56 miles | Rightmove | | [Victoria Park Road, Stoke-on-trent, ST6 6DY](http://87.117.209.195:8080/listings/e42f2b0) | £850/mo | 2 | 0.56 miles | Rightmove | | [Stanfield Road, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/9da6021) | £700/mo | 2 | 1.3 miles | Rightmove | | [Station Street, Middleport, Stoke-On-Trent](http://87.117.209.195:8080/listings/2a50059) | £725/mo | 2 | 1.31 miles | Rightmove | | [Hamil Road, Burslem](http://87.117.209.195:8080/listings/209b6f0) | £745/mo | 2 | 1.31 miles | Rightmove | | [Moorland Road, Burslem, Stoke-on-Trent](http://87.117.209.195:8080/listings/602fa94) | £715/mo | 2 | 1.34 miles | Rightmove | | [May Street, Burslem, Stoke-on-Trent, Staffordshire, ST6](http://87.117.209.195:8080/listings/2a794c5) | £625/mo | 2 | 1.35 miles | Rightmove | | [Scott Lidgett Road, Middleport, Burslem, ST6](http://87.117.209.195:8080/listings/1e05e4a) | £775/mo | 2 | 1.38 miles | Rightmove | | [Gordon Street, Stoke-on-Trent](http://87.117.209.195:8080/listings/9775671) | £40/mo | 2 | 1.38 miles | Rightmove | | [Gordon Street, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/ca67945) | £700/mo | 2 | 1.41 miles | Rightmove | | [Jackfield Street,Burslem, Stoke-on-Trent](http://87.117.209.195:8080/listings/9d8ea4a) | £700/mo | 2 | 1.41 miles | Rightmove | | [Patricia Rose Close, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/6119bae) | £1,035/mo | 2 | 1.41 miles | Rightmove | | [Nile Street, Burslem, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/c3d73b8) | £950/mo | 2 | 1.43 miles | Rightmove | **Average rent: £726/mo (30 listings)** ## 1% Rule - **Rent ratio:** 1.84% (strong) - **Max investor price (0.8%):** £91,875 - **Target investor price (1%):** £73,500 *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 £735/mo).* - **Gross yield:** 22.1% - **Cost-to-rent:** 4.5× - **Monthly cashflow:** £479/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 49.5% *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).* ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 19.4% - **10y growth:** 35.7% ## House Price Index (HM Land Registry) *Official index for Stoke-on-Trent; Terraced series; as of March 2026.* - **1y growth (index):** 1.8% - **5y growth (index):** 26.4% - **10y growth (index):** 64.5% ## 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)