# 3 bedroom terraced house for sale (EX1 3JQ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 LLOYDS CRESCENT, EXETER, DEVON EX1 3JQ |
| Price | £190,000 |
| Bedrooms | 3 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 84 m² |
| Last sold | £180,000 Sep 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £688/year

### Recommendations
- A (350)
- B (1,500)
- B4 (600)
- W2 (6,000)
- N (6,000)
- X (1,500)
- U (5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0848-6091-6231-5060-2270)

## Description

A fantastic opportunity to acquire this three bedroom mid terraced property situated in Whipton. With scope to modernise, the ground floor consists of a large kitchen and an equally large living room, both providing a light, airy feeling throughout, upstairs continues this theme having three good sized bedrooms, two double and one single respectfully.  Outside the property there is a manageble front garden and a good sized rear garden with a green outlook.  This property is being sold with no onward chain.

## Property Photos

- ![Front Shot](/listings/photos/80731168/326700) - Front Shot
- ![Kitchen](/listings/photos/80731168/326701) - Kitchen
- ![Kitchen](/listings/photos/80731168/326702) - Kitchen
- ![Living Room](/listings/photos/80731168/326703) - Living Room
- ![Master Bedroom](/listings/photos/80731168/326704) - Master Bedroom
- ![Second Bedroom](/listings/photos/80731168/326705) - Second Bedroom
- ![Third Bedroom](/listings/photos/80731168/326706) - Third Bedroom
- ![Picture No.10](/listings/photos/80731168/326707) - Picture No.10
- ![Garden](/listings/photos/80731168/326708) - Garden

## Floorplans

- ![Floorplan](/listings/photos/80731168/326709) - Floorplan

## EPC Graphs

- ![EPC](/listings/photos/80731168/326710) - EPC

## FENSA Certificates

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

### FENSA Certificate #666194
- **Address:** 23 LLOYDS CRESCENT, EXETER, EX1 3JQ
- **Certificate Issued:** 07/05/2003
- **Work Completed:** 07/04/2003
- **Items:** 1 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JQ | £180,000 | 21/09/2020 | Terraced |
| 23 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JQ | £25,200 | 13/09/1999 | 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 |
|---------|-------|------|------|
| 52 BROOK WAY, EXETER, DEVON, EX1 3JH | £272,000 | 24/04/2023 | Terraced |
| 47 HILLYFIELD ROAD, EXETER, DEVON, EX1 3LY | £287,500 | 17/03/2023 | Terraced |
| 42 BROOK WAY, EXETER, DEVON, EX1 3JH | £290,000 | 24/11/2022 | Terraced |
| 87 HILLYFIELD ROAD, EXETER, DEVON, EX1 3NB | £355,000 | 04/11/2022 | Terraced |
| 85 HILLYFIELD ROAD, EXETER, DEVON, EX1 3NB | £235,000 | 04/11/2022 | Terraced |
| 15 HILL RISE, EXETER, DEVON, EX1 3NF | £310,000 | 17/10/2022 | Terraced |
| 37 BROOK WAY, EXETER, DEVON, EX1 3JH | £260,500 | 11/08/2022 | Terraced |
| 74 HILLYFIELD ROAD, EXETER, DEVON, EX1 3NA | £220,000 | 29/07/2022 | Terraced |
| 79 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JD | £270,000 | 17/03/2022 | Terraced |
| BARTON COURT 6 WHIPTON BARTON ROAD, EXETER, DEVON, EX1 3NG | £235,000 | 14/03/2022 | Terraced |
| 8 WHIPTON BARTON ROAD, EXETER, DEVON, EX1 3LS | £345,000 | 02/02/2022 | Terraced |
| 14 HEADLAND CLOSE, EXETER, DEVON, EX1 3NN | £364,000 | 01/02/2022 | Terraced |
| 40 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JG | £243,500 | 03/12/2021 | Terraced |
| [Same street] 20 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JQ | £215,000 | 26/10/2021 | Terraced |
| 31 BROOK WAY, EXETER, DEVON, EX1 3JH | £215,000 | 07/10/2021 | Terraced |
| 4 HILL BARTON LANE, EXETER, DEVON, EX1 3PT | £270,000 | 24/09/2021 | Terraced |
| 2 HILL BARTON LANE, EXETER, DEVON, EX1 3PT | £250,000 | 26/08/2021 | Terraced |
| 77 LLOYDS CRESCENT, EXETER, DEVON, EX1 3JE | £230,000 | 04/06/2021 | Terraced |

**Street average:** £215,000 (1 sale)
**Area average:** £273,676 (17 sales)

## Price vs local average

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

- **Local average:** £272,047 (43 Terraced, EX1, 2024–2026)
- **Deviation:** -30.2%

## Rental Range

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

- **Low:** £1,182/mo
- **Realistic:** £1,313/mo
- **Optimistic:** £1,444/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Exeter (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 |
|------|------|------|------|------|
| 3 Bed End Terrace, Pellinore Road, EX4 | £1,275/mo | 3 | 0.84 miles | OpenRent |
| 3 Bed Terraced House, Manston Road, EX1 | £1,400/mo | 3 | 0.98 miles | OpenRent |
| 3 Bed Terraced House, Manston Road, EX1 | £1,400/mo | 3 | 0.98 miles | OpenRent |
| 3 Bed Semi-Detached House, Rifford Road, EX2 | £1,400/mo | 3 | 0.99 miles | OpenRent |
| 3 Bed Terraced House, Baker St, EX2 | £1,500/mo | 3 | 1.2 miles | OpenRent |

**Average rent: £1,395/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.74% (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:** 8.8%
- **Cost-to-rent:** 11.3×
- **Monthly cashflow:** £487/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 10.6%

*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:** £2,262/m²

## Capital growth trend

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

- **5y growth:** -11.7%
- **10y growth:** 13.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -0.7%
- **5y growth (index):** 14%
- **10y growth (index):** 35.2%

## 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)