# 1 bedroom retirement property for sale (FY8 5FU)

## Property Details

| Key | Value |
|-----|-------|
| Address | APARTMENT 32, THE SIDINGS, WHARF STREET, LYTHAM ST ANNES, LANCASHIRE FY8 5FU |
| Price | £260,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Council tax | B |
| Last sold | £260,530 Feb 2024 |

## Description

Apartment 32 at The Sidings in Lytham offers the perfect blend of independence, security, and companionship, set within a vibrant and beautifully designed retirement living community. This first-floor deluxe one-bedroom apartment is thoughtfully designed for later living, providing a comfortable and elegant home tailored to your needs

The accommodation includes a welcoming entrance hall and a practical utility/storage room. The spacious living-through-dining area opens onto a walk-out balcony, offering stunning views of the beautifully landscaped gardens—a serene spot to relax. The modern fitted kitchen is conveniently accessible, while the double bedroom features a built-in wardrobe for effortless organisation. The shower room is equipped with anti-slip level flooring, combining functionality with safety.

The Sidings, it’s not just about the apartment—it’s about joining a community where companionship, wellbeing and independence are thoughtfully nurtured. The beautifully maintained gardens offer a serene setting for a morning stroll or an afternoon catch-up with neighbours, while the on-site facilities provide a wide range of opportunities for engagement and enjoyment. There is a table-service restaurant serving delicious daily meals, a welcoming homeowners’ lounge for socialising, an activity studio offering weekly events and classes, a hairdressing salon, and even a guest suite for when friends and family come to visit. A mobility scooter and bicycle store ensures ease of movement both within and beyond the development.

What truly sets this community apart is the lifestyle it enables. With no worries about property maintenance, and help always at hand if needed, residents can enjoy the freedom to live life on their own terms—travelling, socialising, or simply relaxing in the comfort of their own home. Regular activities foster a strong sense of companionship and belonging, while still respecting every individual’s privacy and independence.

Set in the charming seaside town of Lytham, The Sidings enjoys an enviable location. With its friendly atmosphere, independent shops, lovely cafes and restaurants, and beautiful coastal walks, Lytham offers the best of both tranquillity and convenience. It’s a town full of character and warmth—perfect for those looking to enjoy a relaxed, fulfilling lifestyle.

Apartment 32 is a rare opportunity to enjoy a stunning, move-in ready home in one of the most sought-after retirement communities on the Fylde Coast. With its garden views, stylish interiors and outstanding facilities, it promises a lifestyle that is as independent as it is supported—full of comfort, connection and possibilities. 

## Property Photos

- ![Photo](/listings/photos/166311023/401181)
- ![Photo](/listings/photos/166311023/401182)
- ![Photo](/listings/photos/166311023/401183)
- ![Photo](/listings/photos/166311023/401184)
- ![Photo](/listings/photos/166311023/401185)
- ![Photo](/listings/photos/166311023/401186)
- ![Photo](/listings/photos/166311023/401187)
- ![Photo](/listings/photos/166311023/401197)

## Floorplans

- ![Floorplan 1](/listings/photos/166311023/401198) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/166311023/401200) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| THE SIDINGS APARTMENT 32 WHARF STREET, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5FU | £260,530 | 22/02/2024 | 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 |
|---------|-------|------|------|
| 26 EAST BEACH, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5EX | £1,500,000 | 23/10/2025 | Other |
| 11 STATION ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DH | £185,100 | 09/07/2025 | Other |
| 75 WARTON STREET, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DG | £2,250 | 12/12/2022 | Other |
| 47 GARAGE AT THE BACK OF WARTON STREET, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DQ | £25,000 | 22/11/2022 | Other |
| 1A WEST CLIFFE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DR | £255,000 | 02/09/2022 | Other |
| 6A STATION ROAD, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DH | £150,000 | 02/09/2022 | Other |
| 23 EAST BEACH, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5EX | £2,700,000 | 12/05/2022 | Other |
| 1A WEST CLIFFE, LYTHAM ST ANNES, FYLDE, LANCASHIRE, FY8 5DR | £195,000 | 31/08/2021 | Other |

**Area average:** £626,544 (8 sales)

## Price vs local average

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

- **Local average:** £346,592 (12 Other, FY8, 2024–2026)
- **Deviation:** -25%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £399/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 |
|------|------|------|------|------|
| 1 Bed Flat, Lytham St Annes, FY8 | £675/mo | 1 | 0.17 miles | OpenRent |
| 1 Bed Flat, Clifton Street, FY8 | £675/mo | 1 | 0.17 miles | OpenRent |
| 1 Bed Flat, The Corn Exchange, FY8 | £695/mo | 1 | 0.33 miles | OpenRent |
| 1 Bed Flat, Riversleigh Avenue, FY8 | £650/mo | 1 | 1.17 miles | OpenRent |
| 1 Bed Flat, Riversleigh Avenue, FY8 | £695/mo | 1 | 1.17 miles | OpenRent |

**Average rent: £678/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.26% (weak for cashflow)
- **Max investor price (0.8%):** £84,375
- **Target investor price (1%):** £67,500

*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 £675/mo).*

- **Gross yield:** 3.1%
- **Cost-to-rent:** 32.1×
- **Monthly cashflow:** £-441/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -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:** 8%
- **10y growth:** 66.6%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -0.8%
- **5y growth (index):** 22%
- **10y growth (index):** 63.2%

## 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)