# 3 bedroom end of terrace house for sale (GL53 7AY) ## Property Details | Key | Value | |-----|-------| | Address | 1 WHITE CROSS SQUARE, CHELTENHAM, CHELTENHAM, GLOUCESTERSHIRE GL53 7AY | | Price | £595,000 | | Bedrooms | 3 | | Bathrooms | 2 | | Council tax | C | | Last sold | £299,999 Mar 2006 | ## Description Situated in one of Cheltenham's most sought-after locations, just a short stroll from the vibrant Bath Road shopping area, Cheltenham town centre and the East Gloucestershire Club, this deceptively spacious three-bedroom period home is offered for sale with no onward chain. Beautifully presented throughout and enjoying a unique position bordering Cheltenham College, the property combines character, space and flexibility in one of the town's most desirable residential areas. Retaining a number of attractive period features, the accommodation begins with a welcoming bay-fronted sitting room and a separate dining room, leading through to a well-appointed Shaker-style kitchen. A recently refitted, generously proportioned shower room completes the ground floor. The lower ground floor offers a surprisingly light and versatile reception room, ideal as a home office, family room or occasional guest accommodation. On the first floor are three excellent double bedrooms, all generously sized, together with a spacious family bathroom, making the property perfectly suited to families and professionals alike. Outside, there is an attractive walled front garden, while the south-facing rear courtyard garden provides a private and low-maintenance outdoor space, ideal for relaxing or entertaining. Naunton Park remains one of Cheltenham's most desirable residential areas, renowned for its tree-lined streets, excellent schools and close proximity to the fashionable Bath Road, with its independent shops, cafés, restaurants and amenities. Cheltenham town centre is within easy walking distance and offers an outstanding selection of shopping, dining and leisure facilities, together with its internationally acclaimed Literature, Jazz, Science and Music Festivals and the world-famous Cheltenham Racecourse. Combining an enviable location, generous accommodation, immaculate presentation and no onward chain, this is a rare opportunity to acquire a truly distinctive home. ## Property Photos - ![Photo 18](/listings/photos/91096611/1813170) - Photo 18 - ![Photo 13](/listings/photos/91096611/1813171) - Photo 13 - ![Photo 14](/listings/photos/91096611/1813172) - Photo 14 - ![Photo 9](/listings/photos/91096611/1813173) - Photo 9 - ![Photo 6](/listings/photos/91096611/1813174) - Photo 6 - ![Photo 11](/listings/photos/91096611/1813175) - Photo 11 - ![Photo 17](/listings/photos/91096611/1813176) - Photo 17 - ![Photo 8](/listings/photos/91096611/1813177) - Photo 8 - ![Photo 12](/listings/photos/91096611/1813178) - Photo 12 - ![Photo 7](/listings/photos/91096611/1813179) - Photo 7 - ![Photo 5](/listings/photos/91096611/1813180) - Photo 5 - ![Photo 10](/listings/photos/91096611/1813181) - Photo 10 - ![Photo 15](/listings/photos/91096611/1813182) - Photo 15 - ![Photo 16](/listings/photos/91096611/1813183) - Photo 16 - ![Photo 1](/listings/photos/91096611/1813184) - Photo 1 - ![Photo 2](/listings/photos/91096611/1813185) - Photo 2 - ![Photo 3](/listings/photos/91096611/1813186) - Photo 3 - ![Photo 4](/listings/photos/91096611/1813187) - Photo 4 ## Floorplans - ![Floorplan 1](/listings/photos/91096611/1813188) - Floorplan 1 ## EPC Graphs - ![Energy Performance Certificate](/listings/photos/91096611/1813189) - Energy Performance Certificate ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #1536881 - **Address:** 1 White Cross Square, Cheltenham, GL53 7AY - **Certificate Issued:** 08/03/2004 - **Work Completed:** 27/02/2004 - **Items:** 3 window(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 1 WHITE CROSS SQUARE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7AY | £299,999 | 09/03/2006 | Terraced | | 1 WHITE CROSS SQUARE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7AY | £245,000 | 30/10/2003 | Terraced | | 1 WHITE CROSS SQUARE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7AY | £60,000 | 16/07/1997 | 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 | |---------|-------|------|------| | 15 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BD | £425,000 | 23/02/2026 | Terraced | | 1 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BD | £280,000 | 04/11/2022 | Terraced | | 5 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BD | £285,000 | 22/08/2022 | Terraced | | 25 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BD | £486,000 | 21/03/2022 | Terraced | | 86 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BE | £400,000 | 18/03/2022 | Terraced | | 103 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BE | £350,000 | 28/02/2022 | Terraced | | 112 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BE | £400,000 | 28/02/2022 | Terraced | | 76 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BE | £670,000 | 10/12/2021 | Terraced | | 19 NAUNTON CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 7BD | £450,000 | 11/11/2021 | Terraced | **Area average:** £416,222 (9 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £429,084 (18 Terraced, GL53, 2024–2026) - **Deviation:** +38.7% ## Rental Range *ONS Price Index of Private Rents (Cheltenham). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £1,135/mo - **Realistic:** £1,261/mo - **Optimistic:** £1,387/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Cheltenham (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 Detached House, Tryes Road, GL50 | £1,850/mo | 3 | 0.46 miles | OpenRent | **Average rent: £1,850/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.31% (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:** 3.7% - **Cost-to-rent:** 26.8× - **Monthly cashflow:** £-703/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -4.9% *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:** 31.8% - **10y growth:** 39% ## House Price Index (HM Land Registry) *Official index for Cheltenham; Terraced series; as of July 2026.* - **1y growth (index):** 1.2% - **5y growth (index):** 15.2% - **10y growth (index):** 40.5% ## 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)