# 4 bedroom town house for sale (LN5 8NA) ## Property Details | Key | Value | |-----|-------| | Address | 9 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE LN5 8NA | | Price | £230,000 | | Bedrooms | 4 | | Bathrooms | 3 | | Council tax | B | | Construction age | England and Wales: 1900-1929 | | Floor area | 130 m² | | Last sold | £215,000 Aug 2025 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Expiry date:** 06/03/2035 - **Current heating cost:** £1,918/year - **Est. upgrade cost to C:** £21,600 ### Recommendations - A3 (£1,500 - £2,700) - Q (£4,000 - £14,000) - W1 (£800 - £1,200) - N (£4,000 - £6,000) - U (£3,500 - £5,500) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4235-5127-6400-0213-8206) ## Description Available for sale with NO ONWARD CHAIN and situated on the highly desirable St. Catherine's Grove, this substantial multi-storey property presents an exceptional and versatile living opportunity just south of Lincoln city centre. Characterised by its unique architectural layout, the residence offers an impressive configuration across multiple floors that seamlessly accommodates multi-generational families or dependent co-living. The property immediately stands out for its flexibility, boasting independent top-floor studio living, multiple potential reception rooms, and comprehensive bathroom facilities throughout. Its layout is intentionally fluid, featuring generous rooms like a bay-fronted lounge, a spacious dining room that opens directly to the kitchen, and private ground-floor access via a secure, gated side passageway leading straight to the rear garden, making day-to-day living incredibly functional. Beyond the impressive scale of the building itself, the location provides an enviable balance of urban convenience and natural landscape. Positioned just moments from the historic Lincoln South Common, residents enjoy immediate access to acres of open parklands, which are ideal for walking, exercise, and viewing panoramic vistas of the iconic Lincoln Cathedral. For families, the property falls within the highly sought-after catchment area for reputable schooling, most notably The Priory Academy LSST, which is consistently recognized as one of the region's premier academic institutions. Additionally, the vibrant campus of the University of Lincoln is within a comfortable walking or cycling distance, adding immense appeal for academic professionals and students alike. Daily convenience is effortlessly catered for along the bustling High Street corridor, which plays host to a diverse selection of supermarkets, independent cafes, pharmacies, and medical practices. Transport links from this side of the city are excellent, featuring frequent local bus routes that run directly into the city centre, alongside rapid road access to the A15 and the A46 bypass for commuters. Furthermore, Lincoln Railway Station is easily accessible, offering seamless local rail transit to Nottingham and Sheffield, alongside direct LNER services straight into London King's Cross. This blend of interior adaptability, robust local infrastructure, and proximity to stunning green spaces makes the property a premier opportunity in the current Lincoln market. Council tax band: B. Freehold. ## Property Photos - ![Photo 19](/listings/photos/90469050/1015418) - Photo 19 - ![Photo 11](/listings/photos/90469050/1015419) - Photo 11 - ![Photo 12](/listings/photos/90469050/1015420) - Photo 12 - ![Photo 8](/listings/photos/90469050/1015421) - Photo 8 - ![Photo 13](/listings/photos/90469050/1015422) - Photo 13 - ![Photo 14](/listings/photos/90469050/1015423) - Photo 14 - ![Photo 2](/listings/photos/90469050/1015424) - Photo 2 - ![Photo 3](/listings/photos/90469050/1015425) - Photo 3 - ![Photo 4](/listings/photos/90469050/1015426) - Photo 4 - ![Photo 6](/listings/photos/90469050/1015427) - Photo 6 - ![Photo 5](/listings/photos/90469050/1015428) - Photo 5 - ![Photo 9](/listings/photos/90469050/1015429) - Photo 9 - ![Photo 7](/listings/photos/90469050/1015430) - Photo 7 - ![Photo 10](/listings/photos/90469050/1015431) - Photo 10 - ![Photo 15](/listings/photos/90469050/1015432) - Photo 15 - ![Photo 16](/listings/photos/90469050/1015433) - Photo 16 - ![Photo 17](/listings/photos/90469050/1015434) - Photo 17 - ![Photo 18](/listings/photos/90469050/1015435) - Photo 18 - ![Photo 1](/listings/photos/90469050/1015436) - Photo 1 ## Floorplans - ![Floorplan 1](/listings/photos/90469050/1015437) - Floorplan 1 ## EPC Graphs - ![Energy Performance Certificate](/listings/photos/90469050/1015438) - Energy Performance Certificate ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #14496435 - **Address:** 9 St. Catherines Grove, LINCOLN, LN5 8NA - **Certificate Issued:** 14/03/2021 - **Work Completed:** 09/03/2021 - **Items:** 2 window(s), 2 door(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 9 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £215,000 | 08/08/2025 | Terraced | | 9 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £195,000 | 03/07/2020 | Terraced | | 9 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £174,000 | 29/03/2016 | Terraced | | 9 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £130,000 | 10/10/2014 | 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 | |---------|-------|------|------| | 2 STANLEY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NG | £137,500 | 31/10/2025 | Terraced | | 12 BOUNDARY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NJ | £110,000 | 18/09/2025 | Terraced | | 25 SAVILLE STREET, LINCOLN, LINCOLNSHIRE, LN5 8NH | £115,500 | 28/02/2025 | Terraced | | 160 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8ND | £100,000 | 18/12/2023 | Terraced | | 27 ST CATHERINES COURT, LINCOLN, LINCOLNSHIRE, LN5 8NX | £140,000 | 17/11/2023 | Terraced | | 79 NEWARK ROAD, LINCOLN, LINCOLNSHIRE, LN5 8NE | £115,000 | 08/11/2023 | Terraced | | OTTERS COTTAGES 7 NEWARK ROAD, LINCOLN, LINCOLNSHIRE, LN5 8NF | £125,000 | 27/10/2023 | Terraced | | 154 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8ND | £185,000 | 13/10/2023 | Terraced | | 23 BOUNDARY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NJ | £99,000 | 29/09/2023 | Terraced | | 19 SAVILLE STREET, LINCOLN, LINCOLNSHIRE, LN5 8NH | £84,500 | 24/08/2023 | Terraced | | 9 COLEGRAVE STREET, LINCOLN, LINCOLNSHIRE, LN5 8DR | £238,000 | 22/08/2023 | Terraced | | 39 ST CATHERINES COURT, LINCOLN, LINCOLNSHIRE, LN5 8NX | £157,000 | 06/04/2023 | Terraced | | 3 STANLEY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NG | £125,000 | 16/03/2023 | Terraced | | 7 STANLEY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NG | £136,000 | 09/02/2023 | Terraced | | 50 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £120,000 | 09/02/2023 | Terraced | | 43 NEWARK ROAD, LINCOLN, LINCOLNSHIRE, LN5 8LS | £250,000 | 01/02/2023 | Terraced | | 15 SAVILLE STREET, LINCOLN, LINCOLNSHIRE, LN5 8NH | £123,500 | 20/12/2022 | Terraced | | 46 NEWARK ROAD, LINCOLN, LINCOLNSHIRE, LN5 8PS | £132,000 | 19/12/2022 | Terraced | | 40 ST CATHERINES GROVE, LINCOLN, LINCOLNSHIRE, LN5 8NA | £145,000 | 16/11/2022 | Terraced | | 16 STANLEY STREET, LINCOLN, LINCOLNSHIRE, LN5 8NG | £107,000 | 14/11/2022 | Terraced | **Area average:** £137,250 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £149,833 (62 Terraced, LN5, 2024–2026) - **Deviation:** +53.5% ## Rental Range *ONS Price Index of Private Rents (Lincoln). 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 Lincoln (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £922/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 | |------|------|------|------|------| | 4 Bed Terraced House, Sibthorp Street, LN5 | £1,395/mo | 4 | 0.8 miles | OpenRent | | 4 Bed Terraced House, Ripon Street, LN5 | £430/mo | 4 | 0.89 miles | OpenRent | **Average rent: £913/mo (2 listings)** ## 1% Rule - **Rent ratio:** 0.4% (weak for cashflow) - **Max investor price (0.8%):** £114,125 - **Target investor price (1%):** £91,300 *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 £913/mo).* - **Gross yield:** 4.8% - **Cost-to-rent:** 21× - **Monthly cashflow:** £-109/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -2% *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:** £1,769/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** -15.4% - **10y growth:** 18.2% ## House Price Index (HM Land Registry) *Official index for Lincoln; Terraced series; as of April 2026.* - **1y growth (index):** 0.1% - **5y growth (index):** 13.9% - **10y growth (index):** 42.4% ## 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)