Sold STC Terraced

33 BANK STREET

MIRFIELD, WEST YORKSHIRE WF14 9QF

2 beds 1 baths 62 m² Listed 19 Jun 2025 (-398d)

£139,950

Save

# 2 bedroom terraced house for sale (WF14 9QF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 33 BANK STREET, MIRFIELD, WEST YORKSHIRE WF14 9QF |
| Price | £139,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £133,000 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 22/01/2036
- **Current heating cost:** £777/year
- **Est. upgrade cost to C:** £25,750

### Recommendations
- Q (£7,500 - £11,000)
- W1 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1820-2390-0117-7005-0653)

## Description

Tenure - Freehold

EPC Rating - D

Council Tax - Band A

Gas - mains

Electric - mains

Water - mains

Sewerage - mains

Parking - on road

**Entrance** - The front door opens to the entrance vestibule with a door opening to the kitchen and stairs lead to the first floor.

**Open Plan Living Kitchen** - A large open plan living kitchen which provides ample space for furnishings. The newly fitted kitchen comprises a range of wall and base units, stainless steel 1.5 sink and drainer, integrated electric oven with hob and extractor above, plumbing for a washing machine and space for a free standing fridge freezer. Also housing the gas central heating boiler and providing access to the cellar.

**Cellar** - A useful keeping cellar.

**First Floor Landing** - Doors open to the two bedrooms and house bathroom.

**Bathroom** - A contemporary suite comprising a bath with electric shower over, pedestal wash basin, low flush wc and front facing obscured window.

**Bedroom One** - A generous double bedroom providing space for furnishings and having useful storage cupboards. Large front aspect window.

**Bedroom Two** - A well proportioned double bedroom with space for furnishings and a front aspect window.

**On Road Parking** -

## Property Photos

- ![Photo](/listings/photos/163550591/1036715)
- ![Photo](/listings/photos/163550591/1036716)
- ![Photo](/listings/photos/163550591/1036717)
- ![Photo](/listings/photos/163550591/1036718)
- ![Photo](/listings/photos/163550591/1036719)
- ![Photo](/listings/photos/163550591/1036720)
- ![Photo](/listings/photos/163550591/1036721)
- ![Photo](/listings/photos/163550591/1036722)
- ![Photo](/listings/photos/163550591/1036723)

## Floorplans

- ![Floorplan 1](/listings/photos/163550591/1036724) - Floorplan 1

## EPC Graphs

- ![EE Rating](/listings/photos/163550591/1036725) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £133,000 | 20/02/2026 | 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] 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £105,000 | 02/12/2025 | Terraced |
| 80 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £150,000 | 10/02/2025 | Terraced |
| [Same street] 21 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £148,000 | 27/01/2025 | Terraced |
| 7 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £316,000 | 06/12/2024 | Terraced |
| [Same street] 47 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £425,000 | 11/10/2023 | Detached |
| [Same street] 45 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £420,000 | 29/09/2023 | Detached |
| 98 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £145,000 | 27/06/2023 | Terraced |
| 27 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £88,000 | 16/06/2023 | Terraced |
| [Same street] 6 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £194,500 | 02/06/2023 | Semi-detached |
| [Same street] 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £100,000 | 24/04/2023 | Terraced |
| 396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL | £330,000 | 11/01/2023 | Terraced |
| 65 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £192,000 | 21/12/2022 | Terraced |
| 326 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DQ | £70,000 | 20/12/2022 | Terraced |
| 104 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £131,500 | 28/11/2022 | Terraced |
| 8 BACK LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QA | £260,000 | 28/10/2022 | Terraced |
| 19 WOODSOME AVENUE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QX | £307,500 | 28/10/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £145,000 | 21/10/2022 | Terraced |
| 5 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £110,000 | 14/10/2022 | Terraced |
| 144 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QJ | £217,500 | 30/08/2022 | Terraced |
| 28 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BQ | £195,000 | 26/08/2022 | Terraced |
| 6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB | £235,000 | 24/06/2022 | Terraced |
| 7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £150,000 | 24/06/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £97,500 | 07/06/2022 | Terraced |
| 396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL | £265,000 | 16/05/2022 | Terraced |
| [Same street] 3 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £167,000 | 04/03/2022 | Terraced |
| 78 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £167,000 | 02/03/2022 | Terraced |
| 102 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £100,000 | 21/12/2021 | Terraced |
| [Same street] 27 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £145,000 | 03/12/2021 | Terraced |
| [Same street] 35 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £124,000 | 23/09/2021 | Terraced |

**Street average:** £203,167 (9 sales)
**Area average:** £183,600 (20 sales)

## Price vs local average

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

- **Local average:** £185,862 (25 Terraced, WF14, 2024–2026)
- **Deviation:** -24.7%

## Rental Range

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

- **Low:** £698/mo
- **Realistic:** £775/mo
- **Optimistic:** £853/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £524/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, Water Royd Lane, WF14 | £695/mo | 2 | 0.53 miles | OpenRent |

**Average rent: £695/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £86,875
- **Target investor price (1%):** £69,500

*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 £695/mo).*

- **Gross yield:** 6%
- **Cost-to-rent:** 16.8×
- **Monthly cashflow:** £49/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.5%

*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:** £2,257/m²

## Capital growth trend

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

- **5y growth:** 15.1%
- **10y growth:** 54.8%

## House Price Index (HM Land Registry)

*Official index for Kirklees; Terraced series; as of April 2026.*

- **1y growth (index):** 4.1%
- **5y growth (index):** 26.9%
- **10y growth (index):** 57.6%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9

/ 9

Property details

Tenure

FREEHOLD

Floor area

62 m²

Council tax band

EPC rating

Last sold

£133,000 Feb 2026

Price per m²

£2,257/m²

Local average

£185,862 (-24.7%)

Deprivation

Decile 7 (23,481 of 33,755)

Street crime

142 incidents within 1 mile (May 2026)

Key features

TWO DOUBLE BEDROOM PROPERTY
FRONT FACING BACK TO BACK TERRACE
NEWLY REFURBISHED
IDEAL FOR FIRST TIME BUYERS
CLOSE TO LOCAL AMENITIES INCLUDING THE CENTRE OF MIRFIELD
NO CHAIN

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: On street
Listed property: No
Restrictions: No
Required access: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

A two double bedroom front facing terrace house presenting an ideal opportunity for first time buyers. The house has been fully refurbished including a new kitchen and bathroom suite. It would also suit those looking to downsize or buy-to-let investors. Conveniently located a short distance to the centre of Mirfield and amenities including schools and public transport links. The railway station in the centre of town connects neighbouring towns and cities including; Huddersfield, Leeds and Manchester, as well as having a direct line to London. Motorway links are also close-by.

Tenure - Freehold
EPC Rating - D
Council Tax - Band A

Gas - mains
Electric - mains
Water - mains
Sewerage - mains
Parking - on road

Entrance - The front door opens to the entrance vestibule with a door opening to the kitchen and stairs lead to the first floor.

Open Plan Living Kitchen - A large open plan living kitchen which provides ample space for furnishings. The newly fitted kitchen comprises a range of wall and base units, stainless steel 1.5 sink and drainer, integrated electric oven with hob and extractor above, plumbing for a washing machine and space for a free standing fridge freezer. Also housing the gas central heating boiler and providing access to the cellar.

Cellar - A useful keeping cellar.

First Floor Landing - Doors open to the two bedrooms and house bathroom.

Bathroom - A contemporary suite comprising a bath with electric shower over, pedestal wash basin, low flush wc and front facing obscured window.

Bedroom One - A generous double bedroom providing space for furnishings and having useful storage cupboards. Large front aspect window.

Bedroom Two - A well proportioned double bedroom with space for furnishings and a front aspect window.

On Road Parking -

Listed by

Mirfield

Earnshaw Kay Estates

Reference: 163550591

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 23/01/2026

Expiry date: 22/01/2036

Current heating cost: £777/year

Potential heating cost: £508/year

Est. upgrade cost to C: £25,750

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (suspended floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EE Rating

Price history

Event	Date	Price	% change
Sold	20/02/2026 (5 months ago)	£133,000	—

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 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£105,000	02/12/2025	Terraced
80 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£150,000	10/02/2025	Terraced
Same street 21 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£148,000	27/01/2025	Terraced
7 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB	£316,000	06/12/2024	Terraced
Same street 47 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£425,000	11/10/2023	Detached
Same street 45 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£420,000	29/09/2023	Detached
98 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£145,000	27/06/2023	Terraced
27 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£88,000	16/06/2023	Terraced
Same street 6 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£194,500	02/06/2023	Semi-detached
Same street 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£100,000	24/04/2023	Terraced
396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL	£330,000	11/01/2023	Terraced
65 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£192,000	21/12/2022	Terraced
326 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DQ	£70,000	20/12/2022	Terraced
104 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB	£131,500	28/11/2022	Terraced
8 BACK LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QA	£260,000	28/10/2022	Terraced
19 WOODSOME AVENUE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QX	£307,500	28/10/2022	Terraced
33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB	£145,000	21/10/2022	Terraced
5 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£110,000	14/10/2022	Terraced
144 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QJ	£217,500	30/08/2022	Terraced
28 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BQ	£195,000	26/08/2022	Terraced
6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB	£235,000	24/06/2022	Terraced
7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN	£150,000	24/06/2022	Terraced
33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB	£97,500	07/06/2022	Terraced
396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL	£265,000	16/05/2022	Terraced
Same street 3 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£167,000	04/03/2022	Terraced
78 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH	£167,000	02/03/2022	Terraced
102 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB	£100,000	21/12/2021	Terraced
Same street 27 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£145,000	03/12/2021	Terraced
Same street 35 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF	£124,000	23/09/2021	Terraced

Street average: £203,167 (9 sales)

Area average: £183,600 (20 sales)

Capital growth trend

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

5y growth 15.1%

10y growth 54.8%

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

1y (index) 4.1%

5y (index) 26.9%

10y (index) 57.6%

Rental Range

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

Low £698/mo

Realistic £775/mo

Optimistic £853/mo

Based on Local Authority from postcode lookup → Kirklees.

LHA (30th percentile) floor for Kirklees: £524/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View WF14 9QF

Nearby

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

Type	Name	Distance
Bus stop	Nab Lane Monkfield	0.1 miles
Bus stop	Stocks Bank Road / Ford Drive	0.1 miles
Shop	Mirfield Mowers	0.1 miles
Shop	Howarth's Garage Ltd	0.1 miles
Train station	Mirfield	1.0 miles
Train station	Deighton	2.0 miles
University	University of Huddersfield	3.9 miles
Hospital	Huddersfield Royal Infirmary	4.7 miles
Hospital	Holme Valley Memorial Hospital	7.7 miles

Street-level crime

Category	Count
Violence and sexual offences	51
Anti-social behaviour	30
Public order	13
Vehicle crime	9
Criminal damage and arson	8
Other theft	8
Burglary	6
Shoplifting	6
Other crime	4
Possession of weapons	4
Drugs	2
Theft from the person	1
Total incidents	142

Within 1 mile during May 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
Battyeford CofE (VC) Primary School	Primary	0.1 miles	Good — 5 Oct 2017
The Mirfield Free Grammar	Secondary	0.5 miles	Good — 10 Mar 2020
Hopton Primary School	Primary	0.7 miles	Good — 20 Jul 2022
Old Bank Academy	Primary	0.7 miles	Good — 30 May 2024
Castle Hall Academy	Secondary	0.9 miles	Good — 28 Mar 2023

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, Water Royd Lane, WF14	£695/mo	2	0.53 miles	OpenRent

Average rent: £695/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.5%

Max investor price (0.8%) £86,875

Target investor price (1%) £69,500

Gross yield 6%

Cost-to-rent ratio 16.8×

Monthly cashflow £49/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 1.5%

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).

Download brochure