Sold STC Penthouse

FLAT 22

JUBILEE COURT, COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE GL50 2AJ

2 beds 1 baths 807 sq ft Listed 17 Sep 2025 (-308d)

£270,000

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# 2 bedroom penthouse for sale (GL50 2AJ)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 22, JUBILEE COURT, COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE GL50 2AJ |
| Price | £270,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | D |
| Construction age | England and Wales: 2003-2006 |
| Floor area | 75 m² |
| Last sold | £270,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 10/09/2035
- **Current heating cost:** £519/year
- **Est. upgrade cost to C:** £1,830

### Recommendations
- C (£20 - £40)
- L2 (£1,200 - £2,400)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/3035-6521-0500-0719-4296)

## Description

Jubilee Court provides a supportive and sociable environment, with the added security of warden assistance. Residents can enjoy the communal lounge, perfect for meeting neighbours or hosting small gatherings, and the lift ensures easy access to all floors. Outside, there are well-maintained communal gardens providing pleasant outdoor space, and non-allocated parking is available for residents and visitors.

This apartment represents a fantastic opportunity for those looking to enjoy a safe, convenient, and sociable retirement in a well-regarded location, with local amenities, shops, and transport links close at hand.

Cheltenham is often known as the gateway to the Cotswolds and famed for its extensive range of festivals, including National Hunt, literature, music, drama, science, food and drink and jazz.

There are extensive modern shopping facilities within the town and a range of recreational and cultural amenities, including golf courses, racecourse, theatre and cinema.

There are additional excellent communications to the other nearby centres via the M5 giving easy access to Bristol and Birmingham and there is a mainline railway station with services to London.

## Property Photos

- ![Picture No. 14](/listings/photos/167086415/986974) - Picture No. 14
- ![Picture No. 20](/listings/photos/167086415/986975) - Picture No. 20
- ![Picture No. 22](/listings/photos/167086415/986976) - Picture No. 22
- ![Picture No. 08](/listings/photos/167086415/986977) - Picture No. 08
- ![Picture No. 07](/listings/photos/167086415/986978) - Picture No. 07
- ![Picture No. 02](/listings/photos/167086415/986979) - Picture No. 02
- ![Picture No. 05](/listings/photos/167086415/986981) - Picture No. 05
- ![Picture No. 04](/listings/photos/167086415/986982) - Picture No. 04
- ![Picture No. 10](/listings/photos/167086415/986984) - Picture No. 10
- ![Picture No. 11](/listings/photos/167086415/986985) - Picture No. 11
- ![Picture No. 12](/listings/photos/167086415/986986) - Picture No. 12

## Floorplans

- ![Floorplan](/listings/photos/167086415/986987) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/167086415/986990) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| JUBILEE COURT FLAT 22 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £270,000 | 30/01/2026 | Flat |
| JUBILEE COURT FLAT 22 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £250,000 | 25/08/2017 | 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 |
|---------|-------|------|------|
| [Same street] JUBILEE COURT FLAT 26 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £210,000 | 03/12/2025 | Flat |
| GRATTON HOUSE GRATTON STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AS | £450,000 | 08/08/2025 | Other |
| 30 FLAT 4 MONTPELLIER VILLAS, CHELTENHAM, GLOUCESTERSHIRE, GL50 2XF | £296,500 | 28/09/2023 | Other |
| [Same street] JUBILEE COURT FLAT 9 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £140,000 | 03/07/2023 | Flat |
| [Same street] JUBILEE COURT FLAT 8 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £170,000 | 12/05/2023 | Flat |
| [Same street] JUBILEE COURT FLAT 16 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £265,000 | 13/01/2023 | Flat |
| [Same street] JUBILEE COURT FLAT 11 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £262,500 | 13/12/2022 | Flat |
| [Same street] JUBILEE COURT FLAT 15 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £273,000 | 30/09/2022 | Flat |
| 24 MONTPELLIER RETREAT, CHELTENHAM, GLOUCESTERSHIRE, GL50 2XG | £200,000 | 05/08/2022 | Other |
| 4 GREAT NORWOOD STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AN | £680,000 | 28/06/2022 | Other |
| 148 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7NG | £550,000 | 24/06/2022 | Other |
| 146 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7NG | £550,000 | 24/06/2022 | Other |
| [Same street] JUBILEE COURT FLAT 10 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £272,500 | 10/06/2022 | Flat |
| 42 SUFFOLK ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AQ | £450,000 | 12/04/2022 | Other |
| [Same street] JUBILEE COURT FLAT 6 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ | £280,000 | 07/01/2022 | Flat |
| GLOUCESTER HOUSE, 109 - 111 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7RA | £3,025,000 | 21/09/2021 | Other |

**Street average:** £234,125 (8 sales)
**Area average:** £775,188 (8 sales)

## Price vs local average

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

- **Local average:** £273,257 (7 Other, GL50, 2024–2026)
- **Deviation:** -1.2%

## Rental Range

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

- **Low:** £1,124/mo
- **Realistic:** £1,249/mo
- **Optimistic:** £1,374/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £798/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 Flat, Lypiatt Road, GL50 | £1,850/mo | 2 | 0.23 miles | OpenRent |
| 2 Bed Flat, London Road, GL52 | £2,800/mo | 2 | 0.72 miles | OpenRent |
| 2 Bed Bungalow, Treelands Drive, GL53 | £1,550/mo | 2 | 0.76 miles | OpenRent |

**Average rent: £2,067/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.69% (weak for cashflow)
- **Max investor price (0.8%):** £231,250
- **Target investor price (1%):** £185,000

*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 £1,850/mo).*

- **Gross yield:** 8.2%
- **Cost-to-rent:** 12.2×
- **Monthly cashflow:** £577/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.8%

*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:** £3,600/m²

## Capital growth trend

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

- **5y growth:** -82.7%

## House Price Index (HM Land Registry)

*Official index for Cheltenham; All dwelling types series; as of April 2026.*

- **1y growth (index):** 4.8%
- **5y growth (index):** 17.8%
- **10y growth (index):** 42.1%

## 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

LEASEHOLD

Floor area

75 m²

Council tax band

EPC rating

Year built

England and Wales: 2003-2006

Last sold

£270,000 Jan 2026

Price per m²

£3,600/m²

Local average

£273,257 (-1.2%)

Deprivation

Decile 9 (28,373 of 33,755)

Street crime

7 incidents within 1 mile (May 2026)

Key features

No onward chain
Two bedroom top floor retirement apartment
Living/dining room offering a comfortable social space
Warden assistance
Access to a communal lounge
Well-maintained communal gardens

Additional details

Electricity: Mains supply
Broadband: ADSL copper wire
Water: Mains supply
Sewerage: Mains supply
Heating: Electric
Parking: Yes
Listed property: No
Restrictions: Yes
Required access: Yes

Description

A bright and well-proportioned two bedroom, top floor retirement apartment situated within the popular Jubilee Court development. The accommodation offers a spacious living/dining room, kitchen, two bedrooms, and a shower room.

Jubilee Court provides a supportive and sociable environment, with the added security of warden assistance. Residents can enjoy the communal lounge, perfect for meeting neighbours or hosting small gatherings, and the lift ensures easy access to all floors. Outside, there are well-maintained communal gardens providing pleasant outdoor space, and non-allocated parking is available for residents and visitors.

This apartment represents a fantastic opportunity for those looking to enjoy a safe, convenient, and sociable retirement in a well-regarded location, with local amenities, shops, and transport links close at hand.

Cheltenham is often known as the gateway to the Cotswolds and famed for its extensive range of festivals, including National Hunt, literature, music, drama, science, food and drink and jazz.

There are extensive modern shopping facilities within the town and a range of recreational and cultural amenities, including golf courses, racecourse, theatre and cinema.

There are additional excellent communications to the other nearby centres via the M5 giving easy access to Bristol and Birmingham and there is a mainline railway station with services to London.

Listed by

Cheltenham

Perry Bishop

Reference: 167086415

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 11/09/2025

Expiry date: 10/09/2035

Current heating cost: £519/year

Potential heating cost: £464/year

Est. upgrade cost to C: £1,830

Recommendations

Increase hot water cylinder insulation (£20 - £40)
High heat retention storage heaters and dual immersion cylinder (£1,200 - £2,400)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

Price history

8% since 2017

Event	Date	Price	% change
Sold	30/01/2026 (5 months ago)	£270,000	+8%
Sold	25/08/2017 (8 years ago)	£250,000	—

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
Same street JUBILEE COURT FLAT 26 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£210,000	03/12/2025	Flat
GRATTON HOUSE GRATTON STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AS	£450,000	08/08/2025	Other
30 FLAT 4 MONTPELLIER VILLAS, CHELTENHAM, GLOUCESTERSHIRE, GL50 2XF	£296,500	28/09/2023	Other
Same street JUBILEE COURT FLAT 9 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£140,000	03/07/2023	Flat
Same street JUBILEE COURT FLAT 8 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£170,000	12/05/2023	Flat
Same street JUBILEE COURT FLAT 16 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£265,000	13/01/2023	Flat
Same street JUBILEE COURT FLAT 11 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£262,500	13/12/2022	Flat
Same street JUBILEE COURT FLAT 15 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£273,000	30/09/2022	Flat
24 MONTPELLIER RETREAT, CHELTENHAM, GLOUCESTERSHIRE, GL50 2XG	£200,000	05/08/2022	Other
4 GREAT NORWOOD STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AN	£680,000	28/06/2022	Other
148 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7NG	£550,000	24/06/2022	Other
146 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7NG	£550,000	24/06/2022	Other
Same street JUBILEE COURT FLAT 10 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£272,500	10/06/2022	Flat
42 SUFFOLK ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AQ	£450,000	12/04/2022	Other
Same street JUBILEE COURT FLAT 6 COMMERCIAL STREET, CHELTENHAM, GLOUCESTERSHIRE, GL50 2AJ	£280,000	07/01/2022	Flat
GLOUCESTER HOUSE, 109 - 111 BATH ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 7RA	£3,025,000	21/09/2021	Other

Street average: £234,125 (8 sales)

Area average: £775,188 (8 sales)

Capital growth trend

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

5y growth -82.7%

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

1y (index) 4.8%

5y (index) 17.8%

10y (index) 42.1%

Rental Range

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

Low £1,124/mo

Realistic £1,249/mo

Optimistic £1,374/mo

Based on Local Authority from postcode lookup → Cheltenham.

LHA (30th percentile) floor for Cheltenham: £798/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View GL50 2AJ

Address

25 Commercial Street

Nearby

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

Type	Name	Distance
Shop	The House Clearance Shop	0.0 miles
Shop	Q&C Militaria	0.0 miles
Bus stop	Thirlestaine House	0.1 miles
Hospital	NHS Records Office	0.5 miles
Hospital	Estates Workshop	0.5 miles
Train station	Cheltenham Spa	1.0 miles
University	Francis Close Hall	1.0 miles
University	Pittville Student Village	1.7 miles
Train station	Cheltenham Racecourse	2.4 miles

Street-level crime

Category	Count
Anti-social behaviour	4
Drugs	1
Possession of weapons	1
Violence and sexual offences	1
Total incidents	7

Within 1 mile during May 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
Cheltenham College	Other	0.2 miles	— (No rating)
Cheltenham Ladies' College	Other	0.4 miles	— (No rating)
University of Gloucestershire	Other	0.5 miles	— (No rating)
Naunton Park Primary School	Primary	0.5 miles	— (Inspected (no overall grade))
Gloucestershire Hospital Education Service	Other	0.6 miles	Outstanding — 30 Nov 2012

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 Flat, Lypiatt Road, GL50	£1,850/mo	2	0.23 miles	OpenRent
2 Bed Flat, London Road, GL52	£2,800/mo	2	0.72 miles	OpenRent
2 Bed Bungalow, Treelands Drive, GL53	£1,550/mo	2	0.76 miles	OpenRent

Average rent: £2,067/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.69%

Max investor price (0.8%) £231,250

Target investor price (1%) £185,000

Gross yield 8.2%

Cost-to-rent ratio 12.2×

Monthly cashflow £577/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.8%

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).