# 3 bedroom terraced house for sale (CH41 0ED) ## Property Details | Key | Value | |-----|-------| | Address | 40 MONA STREET, BIRKENHEAD, MERSEYSIDE CH41 0ED | | Price | £210,000 | | Bedrooms | 3 | | Bathrooms | 1 | | Council tax | B | | Construction age | England and Wales: 1900-1929 | | Floor area | 87 m² | | Last sold | £206,000 Jan 2026 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** B - **Expiry date:** 19/11/2033 - **Current heating cost:** £1,099/year - **Est. upgrade cost to C:** £10,500 ### Recommendations - W1 (£800 - £1,200) - N (£4,000 - £6,000) - U (£3,500 - £5,500) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9320-2690-6290-2627-1815) ## Description This stunning three-bedroom mid-terrace home has been refurbished to the highest standards, offering a contemporary living space in a sought-after and convenient location. Upon entering, you'll find a thoughtfully designed entrance hall that leads into an open-plan dining and living area. This space, ideal for hosting guests or enjoying family time, is flooded with natural light from a large bay window in the living room, featuring a charming fireplace. The dining area offers ample room for a table and chairs, with two cleverly concealed storage units beneath the stairs, hidden behind stylish wall panelling. The modern kitchen is a true highlight, equipped with a range of base and wall units, paired with sleek countertops. French doors open up to the rear garden, while a large window ensures the space remains bright and airy. Upstairs, the property offers three well-proportioned bedrooms. Two of the larger rooms retain their original fireplaces, while the third, a smaller room, currently serves as a home office. The four-piece family bathroom features a sleek, modern suite, including a generous shower and a luxurious bathtub. A stylish wash basin and toilet complete the space, all beautifully finished with contemporary tiling for a refined, clean look. At the rear of the property, the garden has been thoughtfully landscaped to create a perfect setting for outdoor entertaining. This private, low-maintenance space is beautifully designed, offering a tranquil retreat with minimal upkeep. Call Clive Watkin Prenton and arrange your viewing today! ## Property Photos - ![Picture No. 14](/listings/photos/166229786/696173) - Picture No. 14 - ![Picture No. 05](/listings/photos/166229786/696174) - Picture No. 05 - ![Picture No. 04](/listings/photos/166229786/696175) - Picture No. 04 - ![Picture No. 06](/listings/photos/166229786/696176) - Picture No. 06 - ![Picture No. 07](/listings/photos/166229786/696177) - Picture No. 07 - ![Picture No. 02](/listings/photos/166229786/696178) - Picture No. 02 - ![Picture No. 03](/listings/photos/166229786/696179) - Picture No. 03 - ![Picture No. 08](/listings/photos/166229786/696180) - Picture No. 08 - ![Picture No. 11](/listings/photos/166229786/696181) - Picture No. 11 - ![Picture No. 09](/listings/photos/166229786/696182) - Picture No. 09 - ![Picture No. 10](/listings/photos/166229786/696183) - Picture No. 10 - ![Picture No. 13](/listings/photos/166229786/696184) - Picture No. 13 - ![Picture No. 12](/listings/photos/166229786/696185) - Picture No. 12 ## Floorplans - ![Floorplan](/listings/photos/166229786/696186) - Floorplan ## EPC Graphs - ![EPC Rating Graph](/listings/photos/166229786/696187) - EPC Rating Graph ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #14764454 - **Address:** 40 Mona Street, BIRKENHEAD, CH41 0ED - **Certificate Issued:** 29/08/2021 - **Work Completed:** 24/08/2021 - **Items:** 8 window(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 40 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £206,000 | 16/01/2026 | Terraced | | 40 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £95,000 | 11/06/2021 | Terraced | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 1 CRANBOURNE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BU | £198,000 | 03/11/2025 | Terraced | | 17 CRANBOURNE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BU | £150,000 | 21/04/2023 | Terraced | | 39 ALVERSTONE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BT | £230,000 | 19/04/2023 | Terraced | | [Same street] 38 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £60,000 | 24/03/2023 | Terraced | | 14 VALERIAN ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0EJ | £120,000 | 16/12/2022 | Terraced | | 41 BIDSTON AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BP | £195,000 | 16/12/2022 | Terraced | | 12 ALDERLEY AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0EP | £156,000 | 09/12/2022 | Terraced | | [Same street] 25 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £105,000 | 21/11/2022 | Terraced | | 32 ALVERSTONE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BT | £157,000 | 02/09/2022 | Terraced | | 4 BROOM HILL, PRENTON, WIRRAL, MERSEYSIDE, CH43 8TA | £91,000 | 04/07/2022 | Terraced | | 6 CRANBOURNE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BU | £115,000 | 01/06/2022 | Terraced | | [Same street] 42 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £176,000 | 25/03/2022 | Terraced | | [Same street] 19 MONA STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0ED | £90,000 | 17/12/2021 | Terraced | | 7 HALDANE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BY | £130,000 | 17/12/2021 | Terraced | | 42 HALDANE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BZ | £140,000 | 08/12/2021 | Terraced | | 46 ALDERLEY AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0EP | £105,000 | 26/11/2021 | Terraced | | 15 LINGDALE ROAD NORTH, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0DJ | £178,000 | 04/10/2021 | Terraced | | 45 BIDSTON AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BP | £150,000 | 01/10/2021 | Terraced | | 5 WOODSORREL ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0DN | £148,000 | 30/09/2021 | Terraced | | 1 HALDANE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BY | £164,000 | 30/09/2021 | Terraced | | 26 HALDANE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BZ | £142,500 | 23/07/2021 | Terraced | | 17 CRANBOURNE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BU | £95,000 | 09/07/2021 | Terraced | | 77 BIDSTON AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0EN | £125,000 | 28/06/2021 | Terraced | | 22 CRANBOURNE AVENUE, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH41 0BU | £135,000 | 24/06/2021 | Terraced | **Street average:** £107,750 (4 sales) **Area average:** £146,225 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £108,009 (41 Terraced, CH41, 2024–2026) - **Deviation:** +94.4% ## Rental Range *ONS Price Index of Private Rents (Wirral). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £752/mo - **Realistic:** £835/mo - **Optimistic:** £919/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Wirral (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £648/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 End Terrace, Arthur Street, CH41 | £775/mo | 3 | 0.83 miles | OpenRent | **Average rent: £775/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.37% (weak for cashflow) - **Max investor price (0.8%):** £96,875 - **Target investor price (1%):** £77,500 *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 £775/mo).* - **Gross yield:** 4.4% - **Cost-to-rent:** 22.6× - **Monthly cashflow:** £-155/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -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:** £2,414/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 19.7% - **10y growth:** 57.3% ## House Price Index (HM Land Registry) *Official index for Wirral; Terraced series; as of March 2026.* - **1y growth (index):** 7.5% - **5y growth (index):** 29.3% - **10y growth (index):** 67.9% ## 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)