# 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 | | Construction age | England and Wales: 1900-1929 | | Floor area | 81 m² | | Last sold | £127,000 May 2017 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** B - **Expiry date:** 16/04/2036 - **Current heating cost:** £893/year - **Est. upgrade cost to C:** £18,250 ### Recommendations - Q (£7,500 - £11,000) - U (£8,000 - £10,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0636-9224-2600-0983-1292) ## 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, ## Property Photos - ![Photo](/listings/photos/174739439/243385) - ![Photo](/listings/photos/174739439/243392) - ![Photo](/listings/photos/174739439/243395) - ![Photo](/listings/photos/174739439/243397) - ![Photo](/listings/photos/174739439/243399) - ![Photo](/listings/photos/174739439/243401) - ![Photo](/listings/photos/174739439/243403) - ![Photo](/listings/photos/174739439/243405) - ![Photo](/listings/photos/174739439/243407) - ![Photo](/listings/photos/174739439/243409) - ![Photo](/listings/photos/174739439/243411) - ![Photo](/listings/photos/174739439/243413) - ![Photo](/listings/photos/174739439/243415) - ![Photo](/listings/photos/174739439/243417) - ![Photo](/listings/photos/174739439/243419) - ![Photo](/listings/photos/174739439/243421) - ![Photo](/listings/photos/174739439/243423) - ![Photo](/listings/photos/174739439/243425) ## 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).* ## Price per Square Metre - **£/m²:** £2,593/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** -26.6% - **10y growth:** 30% ## 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)