# 2 bedroom terraced house for sale (ST15 8BU) ## Property Details | Key | Value | |-----|-------| | Address | Church Street, Stone, ST15, ST15 8BU | | Price | £189,995 | | Bedrooms | 2 | | Bathrooms | 1 | | Council tax | A | | Last sold | £155,000 | ## Description Belvoir Estate Agents welcome to the sales market this traditional end of terrace two bedroom property located in the sought after and highly regarded market town of Stone, ideally placed within easy reach of the town centre, local amenities, schools, railway station and transport links. Recently redecorated throughout this family home boasts light and airy open plan living space with a lounge/diner, fitted kitchen, utility room, first floor family bathroom with three piece suite and two double bedrooms. There is a private enclosed low maintenance garden to the rear with useful wooden storage shed and gated side pedestrian access. Call us now to arrange to view! Accommodation: Open Plan Lounge/Diner:  With composite front door, uPVC double glazed windows to the front and side, feature open plan staircase to the first floor Fitted Kitchen: With a range of base and wall units, worktops, sink with mixer tap and drainer, integrated oven with gas hob, stainless splashback, space for freestanding tall fridge freezer, wall mounted GCH boiler (recently fitted -2 years), uPVC double glazed window to the rear  Utility Room: With worktop, space and plumbing for washing machine, door opening to the exterior Landing: With loft space Master Bedroom: With uPVC double glazed windows to the front and side  Bedroom Two: With walk in wardrobe/storage cupboard, uPVC double glazed windows to the front and side  Family Bathroom: With bath and shower over, inset wash hand basin with chrome mixer tap and vanity storage under, WC, towel radiator, uPVC double glazed frosted window  Externally: Low maintenance private enclosed rear garden with wooden storage shed and gated side pedestrian access to the front  EPC Asset Rating: C Viewings: Please contact Belvoir Stone or Stafford office Tenure: We are advised that the tenure is Freehold. Any interested parties are advised to confirm the details with solicitors before proceeding. Services: All mains services are connected in accordance with normal terms of supply, telephone subject to normal terms and conditions. The gas and electrical appliances mentioned have not been tested by us and purchasers are therefore advised to undertake their own tests should they consider this necessary. All interested parties should obtain verification through their solicitor or surveyor before entering a legal commitment to purchase.     EPC rating: C. Tenure: Freehold, Planning permissions: not known Mobile signal information: usual providers ## Property Photos - ![Photo](/listings/photos/173082173/71557) - ![Photo](/listings/photos/173082173/71558) - ![Photo](/listings/photos/173082173/71559) - ![Photo](/listings/photos/173082173/71560) - ![Photo](/listings/photos/173082173/71561) - ![Photo](/listings/photos/173082173/71562) - ![Photo](/listings/photos/173082173/71563) - ![Photo](/listings/photos/173082173/71564) - ![Photo](/listings/photos/173082173/71565) - ![Photo](/listings/photos/173082173/71566) ## Floorplans - ![Floorplan](/listings/photos/173082173/71567) - Floorplan - ![Floorplan](/listings/photos/173082173/106157) - Floorplan ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | | £155,000 | 01/01/2023 | — | | | £137,500 | 01/01/2020 | — | | | £115,950 | 01/01/2014 | — | | | £85,000 | 01/01/2006 | — | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 90 PRIORY ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NN | £177,000 | 19/12/2025 | Terraced | | 96 CHURCH STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BD | £156,000 | 13/07/2023 | Terraced | | REDHILL COTTAGES 3 REDHILL ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BE | £162,600 | 26/05/2023 | Terraced | | 136 CHURCH STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BW | £155,000 | 20/04/2023 | Terraced | | 22 THE HEMPBUTTS, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BT | £145,000 | 29/03/2023 | Terraced | | REDHILL COTTAGES 1 REDHILL ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BE | £100,000 | 25/11/2022 | Terraced | | 53 CHURCH STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BW | £169,950 | 07/11/2022 | Terraced | | 53 CHURCH STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BW | £165,000 | 31/10/2022 | Terraced | | 2 THE HEMPBUTTS, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BT | £165,000 | 19/10/2022 | Terraced | | 3 NORBURY COURT, STONE, STAFFORD, STAFFORDSHIRE, ST15 8GY | £130,000 | 11/10/2022 | Terraced | | 2 SYCAMORE ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NJ | £167,000 | 03/08/2022 | Terraced | | 99 PRIORY ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NH | £161,000 | 16/05/2022 | Terraced | | 37 CHURCH STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BW | £148,000 | 22/04/2022 | Terraced | | 90 PRIORY ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NN | £165,000 | 23/03/2022 | Terraced | | 7 REDHILL ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BG | £220,000 | 22/02/2022 | Terraced | | MILL FARM BARNS 5 MILL STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BA | £380,000 | 15/11/2021 | Terraced | | 2 OAK ROAD, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NG | £145,000 | 29/10/2021 | Terraced | | 37 REDHILL GARDENS, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BH | £146,000 | 13/08/2021 | Terraced | | 23 LICHFIELD STREET, STONE, STAFFORD, STAFFORDSHIRE, ST15 8NA | £190,000 | 30/07/2021 | Terraced | | 5 THE HEMPBUTTS, STONE, STAFFORD, STAFFORDSHIRE, ST15 8BT | £140,000 | 02/07/2021 | Terraced | **Area average:** £169,378 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £216,352 (22 Terraced, ST15, 2024–2026) - **Deviation:** -12.2% ## Rental Range *ONS Price Index of Private Rents (Stafford). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £799/mo - **Realistic:** £888/mo - **Optimistic:** £977/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 Flat, Willow Road, ST15 | £750/mo | 2 | 0.29 miles | OpenRent | | 2 Bed Terraced House, Old Road, ST15 | £950/mo | 2 | 0.52 miles | OpenRent | | 2 Bed Terraced House, Old Road, ST15 | £875/mo | 2 | 0.58 miles | OpenRent | | 2 Bed Flat, Whitemill Lane, ST15 | £625/mo | 2 | 0.62 miles | OpenRent | | 2 Bed Flat, Manor Rise, ST15 | £600/mo | 2 | 0.75 miles | OpenRent | | 2 Bed Maisonette, Navigation Loop, ST15 | £760/mo | 2 | 1.06 miles | OpenRent | | 2 Bed Terraced House, St Vincent Mews, ST15 | £1,395/mo | 2 | 1.53 miles | OpenRent | **Average rent: £851/mo (7 listings)** ## 1% Rule - **Rent ratio:** 0.4% (weak for cashflow) - **Max investor price (0.8%):** £95,000 - **Target investor price (1%):** £76,000 *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 £760/mo).* - **Gross yield:** 4.8% - **Cost-to-rent:** 20.8× - **Monthly cashflow:** £-89/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -1.9% *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:** -15.2% - **10y growth:** 51.5% ## House Price Index (HM Land Registry) *Official index for Stafford; Terraced series; as of March 2026.* - **1y growth (index):** 3.1% - **5y growth (index):** 26.1% - **10y growth (index):** 54.9% ## 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)