Sold House

34 DUDLEY STREET

BEDFORD, BEDFORD MK40 3TB

2 beds Listed 26 Jan 2012 (-5248d)

£189,950

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# 2 bedroom house for sale (MK40 3TB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 34 DUDLEY STREET, BEDFORD, BEDFORD MK40 3TB |
| Price | £189,950 |
| Bedrooms | 2 |
| Last sold | £187,500 Mar 2012 |

## Description

This bay fronted period terraced home has been the subject of much recent improvement and lies very close to Russell Park, within a short walk of the Embankment and range of Castle Road amenities.  The accommodation provides a 25' through living room with period fireplace and recently refitted kitchen which opens into a breakfast room behind.  There is a spacious first floor bathroom, gas radiator heating and uPVC double glazing throughout.  Outside, the enclosed rear garden is predominantly decked with flower and shrub beds and enjoys a west facing aspect.  The property is available with no upward chain.

Bedroom 112'7x10'8

Bedroom 211'3x7'9

Reception 125'x9'10

Kitchen18'10x7'10

## Property Photos

- ![Photo](/listings/photos/36707072/427208)
- ![Photo](/listings/photos/36707072/427210)
- ![Photo](/listings/photos/36707072/427212)
- ![Photo](/listings/photos/36707072/427214)
- ![Photo](/listings/photos/36707072/427216)
- ![Photo](/listings/photos/36707072/427217)

## FENSA Certificates

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

### FENSA Certificate #3509502
- **Address:** 34 Dudley Street, BEDFORD, MK40 3TB
- **Certificate Issued:** 06/03/2006
- **Work Completed:** 09/02/2006
- **Items:** 11 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 34 DUDLEY STREET, BEDFORD, MK40 3TB | £187,500 | 23/03/2012 | 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 |
|---------|-------|------|------|
| 3 GEORGE STREET, BEDFORD, MK40 3RY | £205,000 | 09/04/2025 | Other |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £352,000 | 31/08/2023 | Terraced |
| [Same street] 52 DUDLEY STREET, BEDFORD, MK40 3TB | £312,000 | 20/04/2023 | Terraced |
| [Same street] 64 DUDLEY STREET, BEDFORD, MK40 3TB | £620,000 | 28/10/2022 | Semi-detached |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £345,000 | 08/04/2022 | Terraced |
| 161 CASTLE ROAD, BEDFORD, MK40 3RT | £1,000 | 22/11/2021 | Other |
| 25 DUDLEY STREET, BEDFORD, MK40 3TA | £127,500 | 30/06/2021 | Other |

**Street average:** £407,250 (4 sales)
**Area average:** £111,167 (3 sales)

## Price vs local average

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

- **Local average:** £875,000 (7 Other, MK40, 2024–2026)
- **Deviation:** -78.3%

## Rental Range

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

- **Low:** £1,049/mo
- **Realistic:** £1,166/mo
- **Optimistic:** £1,283/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £823/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 |
|------|------|------|------|------|
| 2 Bed End Terrace, Bedford, MK42 | £1,200/mo | 2 | 0.89 miles | OpenRent |

**Average rent: £1,200/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.63% (weak for cashflow)
- **Max investor price (0.8%):** £150,000
- **Target investor price (1%):** £120,000

*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 £1,200/mo).*

- **Gross yield:** 7.6%
- **Cost-to-rent:** 13.2×
- **Monthly cashflow:** £307/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.7%

*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.*

- **10y growth:** 85.7%

## House Price Index (HM Land Registry)

*Official index for Bedford; All dwelling types series; as of March 2026.*

- **1y growth (index):** 5.6%
- **5y growth (index):** 20.5%
- **10y growth (index):** 45.6%

## 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

Last sold

£187,500 Mar 2012

Local average

£875,000 (-78.3%)

Deprivation

Decile 7 (20,542 of 33,755)

Street crime

541 incidents within 1 mile (Apr 2026)

Key features

Bay Fronted End of Terrace House
Two Bedrooms
Living Room
Kitchen/Breakfast Room
First Floor Bathroom
Gas Radiator Heating
Enclosed, West Facing Garden
Close to Russell Park & Embankment

Additional details

Garden: Yes

Description

This bay fronted period terraced home has been the subject of much recent improvement and lies very close to Russell Park, within a short walk of the Embankment and range of Castle Road amenities. The accommodation provides a 25' through living room with period fireplace and recently refitted kitchen which opens into a breakfast room behind. There is a spacious first floor bathroom, gas radiator heating and uPVC double glazing throughout. Outside, the enclosed rear garden is predominantly decked with flower and shrub beds and enjoys a west facing aspect. The property is available with no upward chain.
Bedroom 112'7x10'8
Bedroom 211'3x7'9
Reception 125'x9'10
Kitchen18'10x7'10

Listed by

Bedford

Hollands Smith

Reference: 36707072

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

FENSA Certificates

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

FENSA Certificate #3509502

Property Details

Street: 34 Dudley Street

Town: BEDFORD

Postcode: MK40 3TB

Installation Details

Items: 11 windows and 1 door

Certificate Issued: 06/03/2006

Work Completed: 09/02/2006

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	23/03/2012 (14 years ago)	£187,500	—

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
3 GEORGE STREET, BEDFORD, MK40 3RY	£205,000	09/04/2025	Other
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£352,000	31/08/2023	Terraced
Same street 52 DUDLEY STREET, BEDFORD, MK40 3TB	£312,000	20/04/2023	Terraced
Same street 64 DUDLEY STREET, BEDFORD, MK40 3TB	£620,000	28/10/2022	Semi-detached
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£345,000	08/04/2022	Terraced
161 CASTLE ROAD, BEDFORD, MK40 3RT	£1,000	22/11/2021	Other
25 DUDLEY STREET, BEDFORD, MK40 3TA	£127,500	30/06/2021	Other

Street average: £407,250 (4 sales)

Area average: £111,167 (3 sales)

Capital growth trend

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

10y growth 85.7%

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

1y (index) 5.6%

5y (index) 20.5%

10y (index) 45.6%

Rental Range

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

Low £1,049/mo

Realistic £1,166/mo

Optimistic £1,283/mo

Based on Local Authority from postcode lookup → Bedford.

LHA (30th percentile) floor for Bedford: £823/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View MK40 3TB

Nearby

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

Type	Name	Distance
Shop	Serendipity	0.1 miles
Bus stop	Dudley Street	0.1 miles
Shop	Thomas Charles	0.1 miles
Hospital	Bedford Health Village	0.5 miles
University	University of Bedfordshire Polhill Campus	0.6 miles
Train station	Bedford St Johns	0.9 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	1.1 miles
Train station	Bedford	1.3 miles

Street-level crime

Category	Count
Violence and sexual offences	162
Shoplifting	110
Anti-social behaviour	82
Public order	36
Other theft	24
Drugs	20
Vehicle crime	20
Criminal damage and arson	18
Burglary	17
Robbery	16
Bicycle theft	14
Other crime	11
Possession of weapons	6
Theft from the person	5
Total incidents	541

Within 1 mile during Apr 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
Castle Newnham School	Primary	0.3 miles	Outstanding — 17 Oct 2013
Bedford Girls' School	Other	0.5 miles	— (No rating)
KWS School	Other	0.6 miles	Good — 17 Jul 2023
St John Rigby Catholic Primary School	Primary	0.6 miles	Good — 8 Nov 2023
Goldington Academy	Secondary	0.6 miles	Good — 17 Mar 2022

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 End Terrace, Bedford, MK42	£1,200/mo	2	0.89 miles	OpenRent

Average rent: £1,200/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.63%

Max investor price (0.8%) £150,000

Target investor price (1%) £120,000

Gross yield 7.6%

Cost-to-rent ratio 13.2×

Monthly cashflow £307/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 6.7%

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).