Sold Semi-detached

28 DUDLEY STREET

BEDFORD, BEDFORD MK40 3TB

3 beds 1 baths 958 sq ft Listed 6 Oct 2017 (-3151d)

£330,000

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# 3 bedroom semi-detached house for sale (MK40 3TB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 28 DUDLEY STREET, BEDFORD, BEDFORD MK40 3TB |
| Price | £330,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 89 m² |
| Last sold | £325,000 Jul 2019 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Current heating cost:** £1,020/year
- **Est. upgrade cost to C:** £20,185

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- E (£35)
- G (£350 - £450)
- I (£2,200 - £3,000)
- T2 (£400 - £900)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9878-9952-7230-5743-5930)

## Description

A bay fronted Victorian terraced property with a loft conversion situated in the popular Castle Quarter area of Bedford.

The accommodation is arranged over three floors and briefly comprises; Entrance hall, Lounge/Diner, Kitchen, Cloakroom, three double Bedrooms and a family Bathroom.

The property also benefits from UPVC double glazing, gas to radiator heating and a west facing rear garden.

The property is ideally located for access into Bedford town centre with a good selection of public houses, restaurants and coffee shops close by.  Bedford train station is within a mile with great links into London (Midland Mainline St. Pancras – sub 40 minutes).

## Property Photos

- ![Main Picture](/listings/photos/62170159/427074) - Main Picture
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- ![Photo](/listings/photos/62170159/427105)
- ![Photo](/listings/photos/62170159/427108)
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- ![Photo](/listings/photos/62170159/427126)
- ![Photo](/listings/photos/62170159/427129)

## Floorplans

- ![Floorplan 1](/listings/photos/62170159/427131) - Floorplan 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 28 DUDLEY STREET, BEDFORD, MK40 3TB | £325,000 | 10/07/2019 | 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 |
|---------|-------|------|------|
| 21 YORK STREET, BEDFORD, MK40 3RJ | £360,000 | 12/12/2025 | Semi-detached |
| 67 YORK STREET, BEDFORD, MK40 3RL | £558,000 | 24/11/2025 | Semi-detached |
| 41 PHILLPOTTS AVENUE, BEDFORD, MK40 3UE | £465,000 | 20/12/2023 | Semi-detached |
| 138 GEORGE STREET, BEDFORD, MK40 3SH | £370,000 | 30/11/2023 | Semi-detached |
| 12 GREENSHIELDS ROAD, BEDFORD, MK40 3TT | £600,000 | 17/11/2023 | Semi-detached |
| 1 BOWER STREET, BEDFORD, MK40 3RD | £428,000 | 06/10/2023 | Semi-detached |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £352,000 | 31/08/2023 | Terraced |
| 66 BOWER STREET, BEDFORD, MK40 3RE | £297,000 | 22/06/2023 | Semi-detached |
| [Same street] 52 DUDLEY STREET, BEDFORD, MK40 3TB | £312,000 | 20/04/2023 | Terraced |
| 8 RUSSELL AVENUE, BEDFORD, MK40 3TF | £615,000 | 23/02/2023 | Semi-detached |
| 13 RUSSELL AVENUE, BEDFORD, MK40 3TE | £563,000 | 14/11/2022 | Semi-detached |
| 118 DUDLEY STREET, BEDFORD, MK40 3SX | £352,000 | 04/11/2022 | Semi-detached |
| [Same street] 64 DUDLEY STREET, BEDFORD, MK40 3TB | £620,000 | 28/10/2022 | Semi-detached |
| 2 RUSSELL AVENUE, BEDFORD, MK40 3TF | £553,000 | 13/10/2022 | Semi-detached |
| 34 GEORGE STREET, BEDFORD, MK40 3SG | £395,000 | 30/09/2022 | Semi-detached |
| 146 GEORGE STREET, BEDFORD, MK40 3SH | £445,000 | 26/08/2022 | Semi-detached |
| 2 BOWER STREET, BEDFORD, MK40 3RE | £400,000 | 22/08/2022 | Semi-detached |
| 15 ROSAMOND ROAD, BEDFORD, MK40 3SS | £590,000 | 20/06/2022 | Semi-detached |
| 21 YORK STREET, BEDFORD, MK40 3RJ | £355,500 | 13/04/2022 | Semi-detached |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £345,000 | 08/04/2022 | Terraced |
| 219 CASTLE ROAD, BEDFORD, MK40 3TZ | £415,000 | 25/03/2022 | Semi-detached |
| 55 PHILLPOTTS AVENUE, BEDFORD, MK40 3UE | £621,500 | 11/02/2022 | Semi-detached |
| 180 CASTLE ROAD, BEDFORD, MK40 3SP | £455,000 | 20/12/2021 | Semi-detached |
| 67 YORK STREET, BEDFORD, MK40 3RL | £337,500 | 26/11/2021 | Semi-detached |

**Street average:** £407,250 (4 sales)
**Area average:** £458,775 (20 sales)

## Price vs local average

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

- **Local average:** £351,233 (30 Semi-detached, MK40, 2024–2026)
- **Deviation:** -6%

## 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):** £997/mo

## 1% Rule

- **Rent ratio:** 0.35% (weak for cashflow)
- **Max investor price (0.8%):** £145,750
- **Target investor price (1%):** £116,600

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £3,708/m²

## Capital growth trend

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

- **5y growth:** -15.7%
- **10y growth:** 23.2%

## House Price Index (HM Land Registry)

*Official index for Bedford; Semi-detached series; as of February 2026.*

- **1y growth (index):** 4.7%
- **5y growth (index):** 22.2%
- **10y growth (index):** 50.1%

## 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

Floor area

89 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£325,000 Jul 2019

Price per m²

£3,708/m²

Local average

£351,233 (-6%)

Deprivation

Decile 7 (20,542 of 33,755)

Street crime

484 incidents within 1 mile (Mar 2026)

Additional details

Garden: Yes

Description

A bay fronted Victorian terraced property with a loft conversion situated in the popular Castle Quarter area of Bedford.

The accommodation is arranged over three floors and briefly comprises; Entrance hall, Lounge/Diner, Kitchen, Cloakroom, three double Bedrooms and a family Bathroom.

The property also benefits from UPVC double glazing, gas to radiator heating and a west facing rear garden.

The property is ideally located for access into Bedford town centre with a good selection of public houses, restaurants and coffee shops close by. Bedford train station is within a mile with great links into London (Midland Mainline St. Pancras – sub 40 minutes).

Listed by

Bedford

Cooper Beard Estate Agency Limited

Reference: 62170159

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 13/10/2017

Current heating cost: £1,020/year

Potential heating cost: £618/year

Est. upgrade cost to C: £20,185

EPC E or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£35)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
Flue gas heat recovery in conjunction with boiler (£400 - £900)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

Price history

Event	Date	Price	% change
Sold	10/07/2019 (6 years ago)	£325,000	—

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
21 YORK STREET, BEDFORD, MK40 3RJ	£360,000	12/12/2025	Semi-detached
67 YORK STREET, BEDFORD, MK40 3RL	£558,000	24/11/2025	Semi-detached
41 PHILLPOTTS AVENUE, BEDFORD, MK40 3UE	£465,000	20/12/2023	Semi-detached
138 GEORGE STREET, BEDFORD, MK40 3SH	£370,000	30/11/2023	Semi-detached
12 GREENSHIELDS ROAD, BEDFORD, MK40 3TT	£600,000	17/11/2023	Semi-detached
1 BOWER STREET, BEDFORD, MK40 3RD	£428,000	06/10/2023	Semi-detached
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£352,000	31/08/2023	Terraced
66 BOWER STREET, BEDFORD, MK40 3RE	£297,000	22/06/2023	Semi-detached
Same street 52 DUDLEY STREET, BEDFORD, MK40 3TB	£312,000	20/04/2023	Terraced
8 RUSSELL AVENUE, BEDFORD, MK40 3TF	£615,000	23/02/2023	Semi-detached
13 RUSSELL AVENUE, BEDFORD, MK40 3TE	£563,000	14/11/2022	Semi-detached
118 DUDLEY STREET, BEDFORD, MK40 3SX	£352,000	04/11/2022	Semi-detached
Same street 64 DUDLEY STREET, BEDFORD, MK40 3TB	£620,000	28/10/2022	Semi-detached
2 RUSSELL AVENUE, BEDFORD, MK40 3TF	£553,000	13/10/2022	Semi-detached
34 GEORGE STREET, BEDFORD, MK40 3SG	£395,000	30/09/2022	Semi-detached
146 GEORGE STREET, BEDFORD, MK40 3SH	£445,000	26/08/2022	Semi-detached
2 BOWER STREET, BEDFORD, MK40 3RE	£400,000	22/08/2022	Semi-detached
15 ROSAMOND ROAD, BEDFORD, MK40 3SS	£590,000	20/06/2022	Semi-detached
21 YORK STREET, BEDFORD, MK40 3RJ	£355,500	13/04/2022	Semi-detached
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£345,000	08/04/2022	Terraced
219 CASTLE ROAD, BEDFORD, MK40 3TZ	£415,000	25/03/2022	Semi-detached
55 PHILLPOTTS AVENUE, BEDFORD, MK40 3UE	£621,500	11/02/2022	Semi-detached
180 CASTLE ROAD, BEDFORD, MK40 3SP	£455,000	20/12/2021	Semi-detached
67 YORK STREET, BEDFORD, MK40 3RL	£337,500	26/11/2021	Semi-detached

Street average: £407,250 (4 sales)

Area average: £458,775 (20 sales)

Capital growth trend

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

5y growth -15.7%

10y growth 23.2%

House Price Index (HM Land Registry — official index, not sold-price averages): Bedford. Series: Semi-detached. As of February 2026.

1y (index) 4.7%

5y (index) 22.2%

10y (index) 50.1%

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: £997/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	Knightsmead Garage	0.0 miles
Bus stop	Dudley Street	0.0 miles
Shop	Thomas Charles	0.1 miles
Hospital	Bedford Health Village	0.5 miles
University	University of Bedfordshire Polhill Campus	0.5 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	166
Anti-social behaviour	74
Shoplifting	66
Public order	39
Other theft	29
Burglary	20
Criminal damage and arson	20
Other crime	20
Drugs	15
Vehicle crime	15
Robbery	12
Theft from the person	4
Bicycle theft	3
Possession of weapons	1
Total incidents	484

Within 1 mile during Mar 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	0.2 miles	Outstanding — 17 Oct 2013
Bedford Girls' School	Other	0.6 miles	— (No rating)
St John Rigby Catholic Primary School	Primary	0.6 miles	Good — 8 Nov 2023
Goldington Academy	Secondary	0.6 miles	Good — 17 Mar 2022
KWS School	Other	0.6 miles	Good — 17 Jul 2023

Rental Comparables

Rental listings exist nearby, but none matched the 3-bedroom estimate from EPC for this property.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.35%

Max investor price (0.8%) £145,750

Target investor price (1%) £116,600

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).