# 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.*

- **5y growth:** 811.5%
- **10y growth:** 218.8%

## 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)