Sold Terraced

3 RAILWAY TERRACE

STOKE-ON-TRENT, FROGHALL, STAFFORDSHIRE ST10 2HE

2 beds 1 baths 81 m² Listed 21 Apr 2026 (-53d)

£210,000

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# 2 bedroom terraced house for sale (ST10 2HE)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 RAILWAY TERRACE, STOKE-ON-TRENT, FROGHALL, STAFFORDSHIRE ST10 2HE |
| Price | £210,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £127,000 May 2017 |

## Description

You enter the property into a charming lounge with a solid fuel fire, next is the kitchen which comes with a range of modern gloss units. At the back of the property there is an additional room which could be used as a study for those who work from home or even a formal dining room. On the first floor there is a rear facing double bedroom and a large family bathroom which comes with a white three piece suite. Completing the property is another double bedroom which spans the entire length of the second floor.

The property benefits from a forecourt with flower beds and at the rear of the property is a yard with modern slabs. Accessed from the rear yard you will find the plot of land which comes with the property and is currently split into a fenced area with a wooden summerhouse.

EPC rating: C. Tenure: Freehold,

## Property Photos

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## Floorplans

- ![Floorplan](/listings/photos/174739439/243426) - Floorplan

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #8688554
- **Address:** 3 Railway Terrace, Froghall, ST10 2HE
- **Certificate Issued:** 20/02/2012
- **Work Completed:** 23/01/2012
- **Items:** 1 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 RAILWAY TERRACE, FROGHALL, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST10 2HE | £127,000 | 19/05/2017 | Terraced |
| 3 RAILWAY TERRACE, FROGHALL, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST10 2HE | £118,000 | 31/10/2014 | Terraced |
| 3 RAILWAY TERRACE, FROGHALL, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST10 2HE | £90,000 | 11/02/2011 | 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 |
|---------|-------|------|------|
| [Same street] 7 RAILWAY TERRACE, FROGHALL, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST10 2HE | £205,000 | 09/06/2023 | Terraced |

**Street average:** £205,000 (1 sale)

## Price vs local average

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

- **Local average:** £152,649 (21 Terraced, ST10, 2024–2026)
- **Deviation:** +37.6%

## Rental Range

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

- **Low:** £645/mo
- **Realistic:** £717/mo
- **Optimistic:** £789/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £479/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 Bungalow, Ipstones Bank. Froghall Road, ST10 | £1,400/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed End Terrace, Hermitage Farm, ST10 | £1,400/mo | 2 | 0.5 miles | OpenRent |
| 2 Bed Detached House, Ipstones Bank, ST10 | £1,250/mo | 2 | 0.51 miles | OpenRent |

**Average rent: £1,350/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **Max investor price (0.8%):** £175,000
- **Target investor price (1%):** £140,000

*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 £1,400/mo).*

- **Gross yield:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £408/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 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).*

## Capital growth trend

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

- **5y growth:** -29.5%
- **10y growth:** 25.5%

## House Price Index (HM Land Registry)

*Official index for Staffordshire Moorlands; Terraced series; as of March 2026.*

- **1y growth (index):** 2.3%
- **5y growth (index):** 18.1%
- **10y growth (index):** 56.1%

## 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

FREEHOLD

Floor area

81 m²

Council tax band

Last sold

£127,000 May 2017

Local average

£152,649 (+37.6%)

Deprivation

Decile 6 (16,883 of 33,755)

Street crime

4 incidents within 1 mile (Apr 2026)

Key features

NO CHAIN
Three storey cottage with plot of land
Band 'A' council tax
Views over Churnet Valley Railway
Lounge with solid fuel fire
Modern kitchen
Dining room
First floor bathroom
Two large bedrooms
Rear yard

Additional details

Heating: Gas central
Garden: Private garden
Listed property: No

Description

Ideally situated near the Churnet Valley Railway, this charming cottage offers an idyllic setting in the scenic village of Froghall in the Staffordshire Moorlands. The area is rich in countryside walks, nature reserves, and cosy rural pubs, making it perfect for couples, small families, or even buy to let investors seeking a property in a popular tourist location. Set just off the A52, the property enjoys a rural feel while still benefiting from excellent commuter connections.
You enter the property into a charming lounge with a solid fuel fire, next is the kitchen which comes with a range of modern gloss units. At the back of the property there is an additional room which could be used as a study for those who work from home or even a formal dining room. On the first floor there is a rear facing double bedroom and a large family bathroom which comes with a white three piece suite. Completing the property is another double bedroom which spans the entire length of the second floor.
The property benefits from a forecourt with flower beds and at the rear of the property is a yard with modern slabs. Accessed from the rear yard you will find the plot of land which comes with the property and is currently split into a fenced area with a wooden summerhouse.
EPC rating: C. Tenure: Freehold,

Listed by

Stoke-On-Trent

The Property Franchise Group

Reference: 174739439

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8688554

Property Details

Street: 3 Railway Terrace

Town: Froghall

Postcode: ST10 2HE

Installation Details

Items: 1 window

Certificate Issued: 20/02/2012

Work Completed: 23/01/2012

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

41% since 2011

Event	Date	Price	% change
Sold	19/05/2017 (9 years ago)	£127,000	+7.6%
Sold	31/10/2014 (11 years ago)	£118,000	+31.1%
Sold	11/02/2011 (15 years ago)	£90,000	—

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 7 RAILWAY TERRACE, FROGHALL, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST10 2HE	£205,000	09/06/2023	Terraced

Street average: £205,000 (1 sale)

Capital growth trend

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

5y growth -29.5%

10y growth 25.5%

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

1y (index) 2.3%

5y (index) 18.1%

10y (index) 56.1%

Rental Range

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

Low £645/mo

Realistic £717/mo

Optimistic £789/mo

Based on Local Authority from postcode lookup → Staffordshire Moorlands.

LHA (30th percentile) floor for Staffordshire North: £479/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST10 2HE

Nearby

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

Type	Name	Distance
Train station	Kingsley & Froghall	0.1 miles
Shop	Churnet Valley Railway	0.1 miles
Bus stop	Railway Bridge	0.1 miles
Shop	One Stop	1.7 miles
Train station	Consall	1.9 miles
Hospital	Cheadle Hosptal	2.8 miles
Hospital	Leek Moorlands Hospital	5.9 miles
University	Buxton & Leek College	6.4 miles
University	Tovell Building, Buxton & Leek College	6.4 miles

Street-level crime

Category	Count
Criminal damage and arson	2
Violence and sexual offences	2
Total incidents	4

Within 1 mile during Apr 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 Werburgh's CE (A) Primary School	Primary	0.7 miles	Good — 18 Jan 2024
St Leonard's CofE (A) First School	Primary	1.7 miles	Good — 10 Nov 2022
Parkgate Farm	Other	2.1 miles	Good — 9 Sep 2024
The Valley Primary School	Primary	2.3 miles	Good — 2 May 2024
Compass Community School Staffordshire	Other	2.6 miles	Good — 25 Nov 2021

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 Bungalow, Ipstones Bank. Froghall Road, ST10	£1,400/mo	2	0.29 miles	OpenRent
2 Bed End Terrace, Hermitage Farm, ST10	£1,400/mo	2	0.5 miles	OpenRent
2 Bed Detached House, Ipstones Bank, ST10	£1,250/mo	2	0.51 miles	OpenRent

Average rent: £1,350/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £175,000

Target investor price (1%) £140,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £408/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 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).