Sold STC Terraced

103 NORFOLK STREET

CAMBRIDGE, CAMBRIDGESHIRE CB1 2LD

2 beds 1 baths 710 sq ft Listed 18 Aug 2020 (-2104d)

£385,000

Guide Price

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# 2 bedroom terraced house for sale (CB1 2LD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 103 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE CB1 2LD |
| Price | £385,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 66 m² |
| Last sold | £372,500 Nov 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £552/year
- **Est. upgrade cost to C:** £34,485

### Recommendations
- A (£100  -  £350)
- Q (£4,000  -  £14,000)
- W (£800  -  £1,200)
- D (£80  -  £120)
- E (£10)
- N (£4,000  -  £6,000)
- O (£3,300  -  £6,500)
- U (£9,000  -  £14,000)
- V (£1,500  -  £4,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8200-9210-4829-4507-7573)

## Description

**** **** An extended Victorian mid terraced home situated on a popular residential road close to the Grafton centre and Anglia Ruskin University and within the catchment area for the popular St Matthew's primary school. Living accommodation comprises two bedrooms, ground floor bathroom, kitchen, bathroom and an enclosed rear garden. The property is offered for sale with no upward chain and viewing is strongly recommended. EPC rating Band C.

**LOUNGE/DINER** **21' 3" x 11' 9" (6.5m x 3.6m)** Multi paned window to front aspect, two double panelled radiators, gas fire (disconnected) with marble surround and hearth, wooden mantelpiece, stairs to first floor.

**BATHROOM** **** Skylight, heated towel rail, side panelled bath with shower attachment over, pedestal mounted wash hand basin, low level wc, ceramic tiled floor, extractor fan.

**REAR** **HALLWAY** **** Double panelled radiator, ceramic tiled floor.

**KITCHEN** **** Double glazed window to rear aspect, door to rear, range of base and wall mounted units with work surfaces over, stainless steel sink and drainer unit with mixer tap over, gas hob, electric oven, extractor fan, space and plumbing for washing machine, space for tumble dryer, ceramic tiled floor.

**LANDING** **** Access to roof void.

**BEDROOM** **ONE** **11' 9" x 10' 2" (3.6m x 3.1m)** Sash window to front aspect, double panelled radiator.

**BEDROOM** **TWO** **10' 9" x 8' 10" (3.3m x 2.7m)** Sash window to rear aspect, double panelled radiator, fitted wardrobe and storage cupboard.

**REAR** **COURTYARD** **GARDEN** **** Paved and enclosed by brick wall, gated rear pedestrian access, brick built shed.

**AGENTS** **NOTE:** **** The internal photographs used for marketing were taken prior to the existing tenancy.

## Property Photos

- ![Front](/listings/photos/96187793/360478) - Front
- ![Kitchen](/listings/photos/96187793/360482) - Kitchen
- ![Lounge/Diner](/listings/photos/96187793/360483) - Lounge/Diner
- ![Rear Garden](/listings/photos/96187793/360484) - Rear Garden
- ![Bedroom One](/listings/photos/96187793/360485) - Bedroom One
- ![Bedroom Two](/listings/photos/96187793/360486) - Bedroom Two

## Floorplans

- ![Floorplan 1](/listings/photos/96187793/360487) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/96187793/360488) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 103 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £372,500 | 18/11/2020 | 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 |
|---------|-------|------|------|
| 98 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LF | £620,110 | 08/12/2025 | Terraced |
| 7 FLOWER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NH | £673,500 | 10/12/2024 | Terraced |
| 31 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG | £618,000 | 18/12/2023 | Terraced |
| [Same street] 9 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £825,000 | 30/06/2023 | Other |
| 6 STAFFORDSHIRE STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NB | £471,100 | 22/03/2023 | Terraced |
| [Same street] 35 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £450,000 | 02/12/2022 | Terraced |
| 2 UPPER GWYDIR STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LR | £605,000 | 09/11/2022 | Terraced |
| 21 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG | £617,350 | 16/08/2022 | Terraced |
| 11 EDWARD STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LS | £492,500 | 08/08/2022 | Terraced |
| [Same street] 11 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £722,000 | 05/08/2022 | Terraced |
| 5 FARRAN, CAMBRIDGE, CAMBRIDGESHIRE, CB1 1QF | £438,000 | 29/07/2022 | Terraced |
| [Same street] 57 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £700,000 | 27/06/2022 | Terraced |
| 35 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG | £692,000 | 17/06/2022 | Terraced |
| [Same street] 43 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £435,000 | 29/04/2022 | Terraced |
| 3 ENFIELD, CAMBRIDGE, CAMBRIDGESHIRE, CB1 1QG | £395,000 | 22/03/2022 | Terraced |
| [Same street] 71 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £530,000 | 10/12/2021 | Terraced |
| 14 EDWARD STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LS | £600,000 | 08/11/2021 | Terraced |
| 7 UPPER GWYDIR STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LR | £600,000 | 21/09/2021 | Terraced |
| [Same street] 73 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £495,000 | 29/06/2021 | Terraced |
| [Same street] 97 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD | £325,800 | 23/06/2021 | Terraced |

**Street average:** £560,350 (8 sales)
**Area average:** £568,547 (12 sales)

## Price vs local average

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

- **Local average:** £551,326 (60 Terraced, CB1, 2024–2026)
- **Deviation:** -30.2%

## Rental Range

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

- **Low:** £1,620/mo
- **Realistic:** £1,800/mo
- **Optimistic:** £1,980/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £947/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 Semi-Detached House, Portland Place, CB1 | £2,000/mo | 2 | 0.31 miles | OpenRent |

**Average rent: £2,000/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.52% (weak for cashflow)
- **Max investor price (0.8%):** £250,000
- **Target investor price (1%):** £200,000

*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 £2,000/mo).*

- **Gross yield:** 6.2%
- **Cost-to-rent:** 16×
- **Monthly cashflow:** £259/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.8%

*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:** £5,833/m²

## Capital growth trend

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

- **5y growth:** 18.2%
- **10y growth:** 36.2%

## House Price Index (HM Land Registry)

*Official index for Cambridge; Terraced series; as of February 2026.*

- **1y growth (index):** -0.6%
- **5y growth (index):** 7.1%
- **10y growth (index):** 10.5%

## 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)

Front Kitchen Lounge/Diner Rear Garden Bedroom One Bedroom Two

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Property details

Tenure

FREEHOLD

Floor area

66 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£372,500 Nov 2020

Price per m²

£5,833/m²

Local average

£551,326 (-30.2%)

Deprivation

Decile 6 (17,880 of 33,755)

Street crime

739 incidents within 1 mile (Mar 2026)

Key features

Two Bedrooms
Lounge/Diner
Ground Floor Bathroom
Enclosed Rear Garden
No Upward Chain
Gas Radiator Heating
City Center Position
Convenient for Anglia Ruskin

Additional details

Parking: On street
Garden: Yes

Description

** An extended Victorian mid terraced home situated on a popular residential road close to the Grafton centre and Anglia Ruskin University and within the catchment area for the popular St Matthew's primary school. Living accommodation comprises two bedrooms, ground floor bathroom, kitchen, bathroom and an enclosed rear garden. The property is offered for sale with no upward chain and viewing is strongly recommended. EPC rating Band C.

LOUNGE/DINER 21' 3" x 11' 9" (6.5m x 3.6m) Multi paned window to front aspect, two double panelled radiators, gas fire (disconnected) with marble surround and hearth, wooden mantelpiece, stairs to first floor.

BATHROOM Skylight, heated towel rail, side panelled bath with shower attachment over, pedestal mounted wash hand basin, low level wc, ceramic tiled floor, extractor fan.

REAR HALLWAY Double panelled radiator, ceramic tiled floor.

KITCHEN Double glazed window to rear aspect, door to rear, range of base and wall mounted units with work surfaces over, stainless steel sink and drainer unit with mixer tap over, gas hob, electric oven, extractor fan, space and plumbing for washing machine, space for tumble dryer, ceramic tiled floor.

LANDING Access to roof void.

BEDROOM ONE 11' 9" x 10' 2" (3.6m x 3.1m) Sash window to front aspect, double panelled radiator.

BEDROOM TWO 10' 9" x 8' 10" (3.3m x 2.7m) Sash window to rear aspect, double panelled radiator, fitted wardrobe and storage cupboard.

REAR COURTYARD GARDEN Paved and enclosed by brick wall, gated rear pedestrian access, brick built shed.

AGENTS NOTE: ** The internal photographs used for marketing were taken prior to the existing tenancy.

Listed by

Cambridge

Vincent Shaw

Reference: 96187793

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 09/05/2013

Current heating cost: £552/year

Potential heating cost: £328/year

Est. upgrade cost to C: £34,485

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (£800 - £1,200)
Draughtproof single-glazed windows (£80 - £120)
Low energy lighting for all fixed outlets (£10)
Solar water heating (£4,000 - £6,000)
Replace single glazed windows with low-E double glazing (£3,300 - £6,500)
Solar photovoltaic panels, 2.5 kWp (£9,000 - £14,000)
Wind turbine (£1,500 - £4,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

Price history

Event	Date	Price	% change
Sold	18/11/2020 (5 years ago)	£372,500	—

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
98 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LF	£620,110	08/12/2025	Terraced
7 FLOWER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NH	£673,500	10/12/2024	Terraced
31 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG	£618,000	18/12/2023	Terraced
Same street 9 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£825,000	30/06/2023	Other
6 STAFFORDSHIRE STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NB	£471,100	22/03/2023	Terraced
Same street 35 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£450,000	02/12/2022	Terraced
2 UPPER GWYDIR STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LR	£605,000	09/11/2022	Terraced
21 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG	£617,350	16/08/2022	Terraced
11 EDWARD STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LS	£492,500	08/08/2022	Terraced
Same street 11 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£722,000	05/08/2022	Terraced
5 FARRAN, CAMBRIDGE, CAMBRIDGESHIRE, CB1 1QF	£438,000	29/07/2022	Terraced
Same street 57 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£700,000	27/06/2022	Terraced
35 NORFOLK TERRACE, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2NG	£692,000	17/06/2022	Terraced
Same street 43 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£435,000	29/04/2022	Terraced
3 ENFIELD, CAMBRIDGE, CAMBRIDGESHIRE, CB1 1QG	£395,000	22/03/2022	Terraced
Same street 71 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£530,000	10/12/2021	Terraced
14 EDWARD STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LS	£600,000	08/11/2021	Terraced
7 UPPER GWYDIR STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LR	£600,000	21/09/2021	Terraced
Same street 73 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£495,000	29/06/2021	Terraced
Same street 97 NORFOLK STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB1 2LD	£325,800	23/06/2021	Terraced

Street average: £560,350 (8 sales)

Area average: £568,547 (12 sales)

Capital growth trend

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

5y growth 18.2%

10y growth 36.2%

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

1y (index) -0.6%

5y (index) 7.1%

10y (index) 10.5%

Rental Range

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

Low £1,620/mo

Realistic £1,800/mo

Optimistic £1,980/mo

Based on Local Authority from postcode lookup → Cambridge.

LHA (30th percentile) floor for Cambridge: £947/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CB1 2LD

Nearby

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

Type	Name	Distance
Shop	All Seasons	0.0 miles
Shop	Uppercuts	0.0 miles
Bus stop	Grafton Centre	0.1 miles
University	Anglia Ruskin University (Cambridge Campus)	0.1 miles
University	Anglia Ruskin University -Faculty of Health, Social Care & Education	0.2 miles
Train station	Cambridge	0.7 miles
Hospital	Brookfields Hospital	0.9 miles
Train station	Cambridge North	1.7 miles

Street-level crime

Category	Count
Shoplifting	171
Violence and sexual offences	169
Anti-social behaviour	116
Bicycle theft	62
Other theft	58
Public order	42
Criminal damage and arson	24
Vehicle crime	23
Drugs	19
Theft from the person	19
Other crime	13
Burglary	12
Possession of weapons	6
Robbery	5
Total incidents	739

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
St Matthew's Primary School	Primary	0.1 miles	Good — 20 May 2020
Brunswick Nursery School	Nursery	0.2 miles	Outstanding — 19 Oct 2012
Parkside Community College	Secondary	0.3 miles	Outstanding — 5 May 2017
Cambridge Maths School	Other	0.4 miles	— (No rating)
Cardiff Sixth Form College, Cambridge	Other	0.5 miles	Good — 27 Jun 2023

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 Semi-Detached House, Portland Place, CB1	£2,000/mo	2	0.31 miles	OpenRent

Average rent: £2,000/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.52%

Max investor price (0.8%) £250,000

Target investor price (1%) £200,000

Gross yield 6.2%

Cost-to-rent ratio 16×

Monthly cashflow £259/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 2.8%

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).