Sold STC Terraced

140 BOWER STREET

BEDFORD, BEDFORD MK40 3QZ

3 beds 1 baths 829 sq ft Listed 25 Jun 2025 (-353d)

£350,000

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# 3 bedroom terraced house for sale (MK40 3QZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 140 BOWER STREET, BEDFORD, BEDFORD MK40 3QZ |
| Price | £350,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 77 m² |
| Last sold | £332,000 Nov 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 28/01/2028
- **Current heating cost:** £726/year
- **Est. upgrade cost to C:** £28,900

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- G (£350 - £450)
- N (£4,000 - £6,000)
- O (£3,300 - £6,500)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2118-8005-7299-5268-0964)

## Description

We are pleased to bring to the market this Victorian, three bedroomed terrace home which is located in the popular Castle Road area of Bedford. There is no chain, so a quick completion is available.

On the ground floor, the entrance hall leads to a spacious through living/dining room which has a bay window to the front. Moving towards the back of the house, the kitchen has been fitted with modern units and just beyond, the bathroom can be found.

On the first floor, there are three bedrooms.

Outside there is a reasonable size enclosed rear garden.

Bower Street is situated in the heart of the Castle Road area, linking Russell Park by The Embankment to Goldington Road. There are a wide range of local amenities and independent shops, with Bedford town centre close by offering a wider range of shops, restaurants and excellent local schools. Bedford also boasts fast rail links to London.

## Property Photos

- ![1309736-19-684ff444747ff.jpg](/listings/photos/163796921/368693) - 1309736-19-684ff444747ff.jpg
- ![1309736-1-684ff30f5d931.jpg](/listings/photos/163796921/368694) - 1309736-1-684ff30f5d931.jpg
- ![1309736-4-684ff347d64f1.jpg](/listings/photos/163796921/368695) - 1309736-4-684ff347d64f1.jpg
- ![1309736-5-684ff34d7c9fb.jpg](/listings/photos/163796921/368696) - 1309736-5-684ff34d7c9fb.jpg
- ![1309736-3-684ff33931593.jpg](/listings/photos/163796921/368697) - 1309736-3-684ff33931593.jpg
- ![1309736-7-684ff35a67542.jpg](/listings/photos/163796921/368698) - 1309736-7-684ff35a67542.jpg
- ![1309736-8-684ff3615ce19.jpg](/listings/photos/163796921/368699) - 1309736-8-684ff3615ce19.jpg
- ![1309736-17-684ff3a6df825.jpg](/listings/photos/163796921/368700) - 1309736-17-684ff3a6df825.jpg
- ![1309736-20-684ff44cc952d.jpg](/listings/photos/163796921/368701) - 1309736-20-684ff44cc952d.jpg
- ![1309736-18-684ff3af28cee.jpg](/listings/photos/163796921/368702) - 1309736-18-684ff3af28cee.jpg
- ![1309736-15-684ff3952a31d.jpg](/listings/photos/163796921/368703) - 1309736-15-684ff3952a31d.jpg
- ![1309736-13-684ff383b8b16.jpg](/listings/photos/163796921/368704) - 1309736-13-684ff383b8b16.jpg
- ![1309736-9-684ff36876b78.jpg](/listings/photos/163796921/368705) - 1309736-9-684ff36876b78.jpg
- ![1309736-11-684ff3777013b.jpg](/listings/photos/163796921/368706) - 1309736-11-684ff3777013b.jpg
- ![1309736-10-684ff37016b71.jpg](/listings/photos/163796921/368707) - 1309736-10-684ff37016b71.jpg
- ![1309736-12-684ff37dbf8e2.jpg](/listings/photos/163796921/368708) - 1309736-12-684ff37dbf8e2.jpg
- ![1309736-21-684ff45397ef1.jpg](/listings/photos/163796921/368709) - 1309736-21-684ff45397ef1.jpg

## Floorplans

- ![Floorplan.jpg](/listings/photos/163796921/368710) - Floorplan.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/163796921/368711) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 140 BOWER STREET, BEDFORD, MK40 3QZ | £332,000 | 14/11/2025 | Terraced |
| 140 BOWER STREET, BEDFORD, MK40 3QZ | £288,000 | 23/05/2018 | 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 |
|---------|-------|------|------|
| 155 HOWBURY STREET, BEDFORD, MK40 3QT | £495,000 | 12/12/2025 | Terraced |
| 126 HOWBURY STREET, BEDFORD, MK40 3QS | £445,000 | 02/06/2023 | Terraced |
| 105 BOWER STREET, BEDFORD, MK40 3RB | £250,000 | 31/03/2023 | Terraced |
| [Same street] 132 BOWER STREET, BEDFORD, MK40 3QZ | £330,000 | 16/03/2023 | Terraced |
| 87 HOWBURY STREET, BEDFORD, MK40 3QT | £355,350 | 10/03/2023 | Terraced |
| 107 BOWER STREET, BEDFORD, MK40 3RB | £250,000 | 22/12/2022 | Terraced |
| 107 DENMARK STREET, BEDFORD, MK40 3TJ | £270,000 | 29/11/2022 | Terraced |
| 79 HOWBURY STREET, BEDFORD, MK40 3QT | £330,000 | 18/07/2022 | Terraced |
| [Same street] 104 BOWER STREET, BEDFORD, MK40 3QZ | £361,000 | 29/06/2022 | Terraced |
| [Same street] 80 BOWER STREET, BEDFORD, MK40 3QZ | £330,000 | 23/06/2022 | Terraced |
| [Same street] 92 BOWER STREET, BEDFORD, MK40 3QZ | £322,000 | 04/05/2022 | Terraced |
| 87 BOWER STREET, BEDFORD, MK40 3RB | £440,000 | 13/04/2022 | Terraced |
| [Same street] 106 BOWER STREET, BEDFORD, MK40 3QZ | £291,000 | 29/03/2022 | Terraced |
| [Same street] 90 BOWER STREET, BEDFORD, MK40 3QZ | £310,000 | 25/01/2022 | Terraced |
| 111 DENMARK STREET, BEDFORD, MK40 3TJ | £370,000 | 12/01/2022 | Terraced |
| 109 DENMARK STREET, BEDFORD, MK40 3TJ | £160,000 | 12/01/2022 | Terraced |
| 127 HOWBURY STREET, BEDFORD, MK40 3QT | £375,000 | 17/12/2021 | Terraced |
| 121 HOWBURY STREET, BEDFORD, MK40 3QT | £442,500 | 03/12/2021 | Terraced |
| [Same street] 100 BOWER STREET, BEDFORD, MK40 3QZ | £325,000 | 30/11/2021 | Terraced |
| [Same street] 164 BOWER STREET, BEDFORD, MK40 3QZ | £320,000 | 29/06/2021 | Terraced |
| [Same street] 102 BOWER STREET, BEDFORD, MK40 3QZ | £312,000 | 25/06/2021 | Terraced |
| 82 HOWBURY STREET, BEDFORD, MK40 3QS | £315,000 | 25/06/2021 | Terraced |

**Street average:** £322,333 (9 sales)
**Area average:** £345,988 (13 sales)

## Price vs local average

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

- **Local average:** £333,213 (21 Terraced, MK40, 2024–2026)
- **Deviation:** +5%

## Rental Range

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

- **Low:** £1,049/mo
- **Realistic:** £1,166/mo
- **Optimistic:** £1,283/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £997/mo

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £145,750
- **Target investor price (1%):** £116,600

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £4,545/m²

## Capital growth trend

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

- **5y growth:** 21%
- **10y growth:** 26.1%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 6%
- **5y growth (index):** 22.5%
- **10y growth (index):** 50.1%

## 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)

1309736-19-684ff444747ff.jpg 1309736-1-684ff30f5d931.jpg 1309736-4-684ff347d64f1.jpg 1309736-5-684ff34d7c9fb.jpg 1309736-3-684ff33931593.jpg 1309736-7-684ff35a67542.jpg 1309736-8-684ff3615ce19.jpg 1309736-17-684ff3a6df825.jpg 1309736-20-684ff44cc952d.jpg 1309736-18-684ff3af28cee.jpg 1309736-15-684ff3952a31d.jpg 1309736-13-684ff383b8b16.jpg 1309736-9-684ff36876b78.jpg 1309736-11-684ff3777013b.jpg 1309736-10-684ff37016b71.jpg 1309736-12-684ff37dbf8e2.jpg 1309736-21-684ff45397ef1.jpg

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Property details

Tenure

FREEHOLD

Floor area

77 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£332,000 Nov 2025

Price per m²

£4,545/m²

Local average

£333,213 (+5%)

Deprivation

Decile 7 (22,338 of 33,755)

Street crime

597 incidents within 1 mile (Apr 2026)

Key features

Terrace house
Living/dining room
Kitchen
Bathroom
Three bedrooms
Gas central heating
Rear garden
No chain
Freehold

Additional details

Garden: Yes

Description

We are pleased to bring to the market this Victorian, three bedroomed terrace home which is located in the popular Castle Road area of Bedford. There is no chain, so a quick completion is available.

On the ground floor, the entrance hall leads to a spacious through living/dining room which has a bay window to the front. Moving towards the back of the house, the kitchen has been fitted with modern units and just beyond, the bathroom can be found.

On the first floor, there are three bedrooms.

Outside there is a reasonable size enclosed rear garden.

Bower Street is situated in the heart of the Castle Road area, linking Russell Park by The Embankment to Goldington Road. There are a wide range of local amenities and independent shops, with Bedford town centre close by offering a wider range of shops, restaurants and excellent local schools. Bedford also boasts fast rail links to London.

Listed by

Bedford

Lane & Holmes LLP

Reference: 163796921

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 29/01/2018

Expiry date: 28/01/2028

Current heating cost: £726/year

Potential heating cost: £478/year

Est. upgrade cost to C: £28,900

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Upgrade heating controls (£350 - £450)
Solar water heating (£4,000 - £6,000)
Replace single glazed windows with low-E double glazing (£3,300 - £6,500)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan.jpg

EPC Graphs

EE Rating

Price history

15% since 2018

Event	Date	Price	% change
Sold	14/11/2025 (6 months ago)	£332,000	+15.3%
Sold	23/05/2018 (8 years ago)	£288,000	—

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
155 HOWBURY STREET, BEDFORD, MK40 3QT	£495,000	12/12/2025	Terraced
126 HOWBURY STREET, BEDFORD, MK40 3QS	£445,000	02/06/2023	Terraced
105 BOWER STREET, BEDFORD, MK40 3RB	£250,000	31/03/2023	Terraced
Same street 132 BOWER STREET, BEDFORD, MK40 3QZ	£330,000	16/03/2023	Terraced
87 HOWBURY STREET, BEDFORD, MK40 3QT	£355,350	10/03/2023	Terraced
107 BOWER STREET, BEDFORD, MK40 3RB	£250,000	22/12/2022	Terraced
107 DENMARK STREET, BEDFORD, MK40 3TJ	£270,000	29/11/2022	Terraced
79 HOWBURY STREET, BEDFORD, MK40 3QT	£330,000	18/07/2022	Terraced
Same street 104 BOWER STREET, BEDFORD, MK40 3QZ	£361,000	29/06/2022	Terraced
Same street 80 BOWER STREET, BEDFORD, MK40 3QZ	£330,000	23/06/2022	Terraced
Same street 92 BOWER STREET, BEDFORD, MK40 3QZ	£322,000	04/05/2022	Terraced
87 BOWER STREET, BEDFORD, MK40 3RB	£440,000	13/04/2022	Terraced
Same street 106 BOWER STREET, BEDFORD, MK40 3QZ	£291,000	29/03/2022	Terraced
Same street 90 BOWER STREET, BEDFORD, MK40 3QZ	£310,000	25/01/2022	Terraced
111 DENMARK STREET, BEDFORD, MK40 3TJ	£370,000	12/01/2022	Terraced
109 DENMARK STREET, BEDFORD, MK40 3TJ	£160,000	12/01/2022	Terraced
127 HOWBURY STREET, BEDFORD, MK40 3QT	£375,000	17/12/2021	Terraced
121 HOWBURY STREET, BEDFORD, MK40 3QT	£442,500	03/12/2021	Terraced
Same street 100 BOWER STREET, BEDFORD, MK40 3QZ	£325,000	30/11/2021	Terraced
Same street 164 BOWER STREET, BEDFORD, MK40 3QZ	£320,000	29/06/2021	Terraced
Same street 102 BOWER STREET, BEDFORD, MK40 3QZ	£312,000	25/06/2021	Terraced
82 HOWBURY STREET, BEDFORD, MK40 3QS	£315,000	25/06/2021	Terraced

Street average: £322,333 (9 sales)

Area average: £345,988 (13 sales)

Capital growth trend

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

5y growth 21%

10y growth 26.1%

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

1y (index) 6%

5y (index) 22.5%

10y (index) 50.1%

Rental Range

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

Low £1,049/mo

Realistic £1,166/mo

Optimistic £1,283/mo

Based on Local Authority from postcode lookup → Bedford.

LHA (30th percentile) floor for Bedford: £997/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View MK40 3QZ

Nearby

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

Type	Name	Distance
Shop	Head to Head	0.1 miles
Bus stop	Goldington Avenue	0.1 miles
Shop	Foods of Italy	0.1 miles
Hospital	Bedford Health Village	0.3 miles
University	University of Bedfordshire Polhill Campus	0.6 miles
Train station	Bedford St Johns	0.9 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	1.0 miles
Train station	Bedford	1.1 miles
University	Cranfield University	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	189
Shoplifting	110
Anti-social behaviour	87
Public order	44
Other theft	27
Criminal damage and arson	23
Vehicle crime	22
Drugs	21
Burglary	19
Robbery	16
Bicycle theft	14
Other crime	12
Possession of weapons	8
Theft from the person	5
Total incidents	597

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
Castle Newnham School	Primary	0.1 miles	Outstanding — 17 Oct 2013
Bedford School	Other	0.4 miles	— (No rating)
Castle Newnham School	Secondary	0.5 miles	Good — 18 Oct 2018
St John Rigby Catholic Primary School	Primary	0.5 miles	Good — 8 Nov 2023
Bedford Girls' School	Other	0.5 miles	— (No rating)

Rental Comparables

Rental listings exist nearby, but none matched the 3-bedroom count for this property.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.33%

Max investor price (0.8%) £145,750

Target investor price (1%) £116,600

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).