# 3 bedroom apartment for sale (MK40 1BN)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 64, CROWN QUAY, PREBEND STREET, BEDFORD, BEDFORD MK40 1BN |
| Price | £275,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | D |
| Construction age | England and Wales: 1991-1995 |
| Floor area | 141 m² |
| Last sold | £258,000 Nov 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 23/01/2027
- **Current heating cost:** £681/year

### Recommendations
- E (70)
- L2 (2,400)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2748-9012-7219-4293-6934)

## Description

**SUMMARY**

This stunning three-bedroom riverside duplex penthouse features dual-aspect views, a spacious open-plan living area, a master with en-suite and walk-in wardrobe, plus two additional double bedrooms. Just a 9-minute walk to the train station, it also includes private parking.

**DESCRIPTION**

This stunning three-bedroom duplex penthouse offers an exceptional blend of modern living and scenic tranquility, boasting breathtaking riverside views and dual-aspect windows that flood the home with natural light.

The property features a spacious open-plan living area, perfect for entertaining, and a sleek, well-appointed kitchen. The master bedroom includes a luxurious en-suite and a walk-in wardrobe for added convenience. Two additional double bedrooms provide ample space for family or guests.

Situated just a 9-minute walk from the train station,  the property is located in Crown Quay which is a cul-de-sac location off of Prebend Street in central Bedford adjacent to the river.  This home is ideal for commuters seeking a peaceful retreat. A private parking space adds to the convenience of this exceptional property.

Experience the perfect balance of style, comfort, and location in this riverside penthouse.

**Ground Floor** 

**Entrance Hall** 

**Lounge** 18' 2" x 15' 3" ( 5.54m x 4.65m )

**Kitchen** 9'  Max x 7'  Min ( 2.74m Max x 2.13m Min )

**Bedroom Two** 14' 7" x 11' 6" Max ( 4.45m x 3.51m Max )

**Bedroom Three** 15' 8" x 10' 1" ( 4.78m x 3.07m )

**Bathroom** 

**First Floor** 

**Bedroom One** 17' 9" x 16' 1" ( 5.41m x 4.90m )

**Walk In Wardrobes** 

**Ensuite** 

**External ** 

**Parking** 

We currently hold lease details as displayed above, should you require further information please contact the branch.  Please note additional fees could be incurred for items such as leasehold packs.

1. MONEY LAUNDERING REGULATIONS - Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.

2: These particulars do not constitute part or all of an offer or contract.

3: The measurements indicated are supplied for guidance only and as such must be considered incorrect.

4: Potential buyers are advised to recheck the measurements before committing to any expense.

5: Connells has not tested any apparatus, equipment, fixtures, fittings or services and it is the buyers interests to check the working condition of any appliances.

6: Connells has not sought to verify the legal title of the property and the buyers must obtain verification from their solicitor.

## Property Photos

- ![Photo](/listings/photos/157564982/483886)
- ![Photo](/listings/photos/157564982/483887)
- ![Photo](/listings/photos/157564982/483888)
- ![Photo](/listings/photos/157564982/483889)
- ![Photo](/listings/photos/157564982/483890)
- ![Photo](/listings/photos/157564982/483892)
- ![Photo](/listings/photos/157564982/483894)
- ![Photo](/listings/photos/157564982/483896)
- ![Photo](/listings/photos/157564982/483898)
- ![Photo](/listings/photos/157564982/483900)
- ![Photo](/listings/photos/157564982/483904)
- ![Photo](/listings/photos/157564982/483907)
- ![Photo](/listings/photos/157564982/483908)
- ![Photo](/listings/photos/157564982/483913)
- ![Photo](/listings/photos/157564982/483918)
- ![Photo](/listings/photos/157564982/483924)
- ![Photo](/listings/photos/157564982/483931)

## Floorplans

- ![Floorplan 1](/listings/photos/157564982/483936) - Floorplan 1

## EPC Graphs

- ![EPC](/listings/photos/157564982/483943) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| CROWN QUAY FLAT 64 PREBEND STREET, BEDFORD, MK40 1BN | £258,000 | 07/11/2025 | Flat |
| CROWN QUAY FLAT 64 PREBEND STREET, BEDFORD, MK40 1BN | £250,000 | 06/11/2020 | Flat |
| CROWN QUAY FLAT 64 PREBEND STREET, BEDFORD, MK40 1BN | £245,000 | 16/06/2017 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 67 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £240,000 | 06/02/2026 | Flat |
| [Same street] CROWN QUAY FLAT 74 PREBEND STREET, BEDFORD, MK40 1BN | £180,000 | 15/08/2025 | Flat |
| 74 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £190,000 | 14/12/2023 | Flat |
| 4 HERON QUAY, BEDFORD, MK40 1TH | £153,000 | 31/10/2023 | Flat |
| 38 HERON QUAY, BEDFORD, MK40 1TH | £190,000 | 25/08/2023 | Flat |
| BRITANNIA HOUSE FLAT 118 PALGRAVE ROAD, BEDFORD, MK42 9BX | £143,500 | 15/08/2023 | Flat |
| BRITANNIA HOUSE FLAT 97 PALGRAVE ROAD, BEDFORD, MK42 9BX | £185,000 | 19/04/2023 | Flat |
| 85 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £175,000 | 05/04/2023 | Flat |
| [Same street] CROWN QUAY FLAT 92 PREBEND STREET, BEDFORD, MK40 1BN | £140,000 | 24/03/2023 | Flat |
| 48 HERON QUAY, BEDFORD, MK40 1TH | £185,000 | 06/01/2023 | Flat |
| 61 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £175,000 | 21/12/2022 | Flat |
| 46 HERON QUAY, BEDFORD, MK40 1TH | £180,000 | 21/10/2022 | Flat |
| BRITANNIA HOUSE FLAT 113 PALGRAVE ROAD, BEDFORD, MK42 9BX | £224,000 | 12/10/2022 | Flat |
| 76 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £187,500 | 31/08/2022 | Flat |
| 45 HERON QUAY, BEDFORD, MK40 1TH | £176,000 | 01/07/2022 | Flat |
| 35 HERON QUAY, BEDFORD, MK40 1TH | £190,000 | 10/06/2022 | Flat |
| [Same street] CROWN QUAY FLAT 63 PREBEND STREET, BEDFORD, MK40 1BN | £175,000 | 27/05/2022 | Flat |
| 15 HERON QUAY, BEDFORD, MK40 1TH | £180,000 | 27/05/2022 | Flat |
| 45 SOVEREIGNS QUAY, BEDFORD, MK40 1TE | £210,000 | 19/05/2022 | Flat |
| 18 HERON QUAY, BEDFORD, MK40 1TH | £225,000 | 13/05/2022 | Flat |
| 80 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £225,000 | 22/04/2022 | Flat |
| BRITANNIA HOUSE FLAT 104 PALGRAVE ROAD, BEDFORD, MK42 9BX | £218,000 | 14/04/2022 | Flat |
| BRITANNIA HOUSE FLAT 124 PALGRAVE ROAD, BEDFORD, MK42 9BX | £240,000 | 25/03/2022 | Flat |
| [Same street] CROWN QUAY FLAT 73 PREBEND STREET, BEDFORD, MK40 1BN | £157,000 | 03/02/2022 | Flat |
| [Same street] CROWN QUAY FLAT 44 PREBEND STREET, BEDFORD, MK40 1BN | £155,000 | 24/01/2022 | Flat |
| [Same street] CROWN QUAY FLAT 56 PREBEND STREET, BEDFORD, MK40 1BN | £152,000 | 27/08/2021 | Flat |

**Street average:** £159,833 (6 sales)
**Area average:** £194,600 (20 sales)

## Price vs local average

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

- **Local average:** £179,944 (45 Flat, MK40, 2024–2026)
- **Deviation:** +52.8%

## Rental Range

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

- **Low:** £1,051/mo
- **Realistic:** £1,168/mo
- **Optimistic:** £1,285/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £997/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 Maisonette, Sovereigns Quay, MK40 | £1,703/mo | 3 | 0.06 miles | OpenRent |

**Average rent: £1,703/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.62% (weak for cashflow)
- **Max investor price (0.8%):** £212,875
- **Target investor price (1%):** £170,300

*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 £1,703/mo).*

- **Gross yield:** 7.4%
- **Cost-to-rent:** 13.5×
- **Monthly cashflow:** £425/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.4%

*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:** £1,950/m²

## Capital growth trend

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

- **5y growth:** 14.3%
- **10y growth:** 30%

## House Price Index (HM Land Registry)

*Official index for Bedford; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** 1%
- **5y growth (index):** 8.6%
- **10y growth (index):** 28.8%

## 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)