Sold STC Terraced

113 FINKLE STREET

COTTINGHAM, EAST RIDING OF YORKSHIRE HU16 4AU

2 beds 1 baths 83 m² Listed 12 Oct 2025 (-293d)

£170,000

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Property details

Tenure

FREEHOLD

Floor area

83 m²

Council tax band

B

EPC rating

D

Last sold

£167,500 Feb 2026

Price per m²

£2,048/m²

Local average

£192,608 (-11.7%)

Deprivation

Decile 7 (20,630 of 33,755)

Street crime

114 incidents within 1 mile (May 2026)

Key features

  • Ideal for first-time buyers or downsizers – ready to move into, in a highly sought-after area.
  • Generous rear garden – mostly lawn with mature shrubs, ready for outdoor enjoyment.
  • Two double bedrooms plus storage/dressing room – ideal for families or home office use.
  • Versatile conservatory extension – extra living space with views over the garden.
  • Stylish shower room – modern, clean, and low maintenance.
  • Contemporary kitchen – sleek, newly fitted and ready for everyday use.
  • Spacious open-plan lounge, dining & family room – perfect for modern living and entertaining.
  • Prime Cottingham location – within easy walking distance of the village centre and local amenities.
  • Fully refurbished by current owner just 12 months ago – move in with nothing to do!
  • HN0689 -  NO CHAIN - 113 Finkle Street, Cottingham - Stylish Two-Bedroom Home in a Prime Village Location

Additional details

Electricity
Mains supply
Water
Mains supply
Sewerage
Mains supply
Heating
Gas, Double glazing
Parking
On street
Garden
Private garden

Description

HN0689 -  NO CHAIN - 113 Finkle Street, Cottingham - Stylish Two-Bedroom Home in a Prime Village Location
Located just a short stroll from the heart of Cottingham, this beautifully refurbished property is an ideal choice for first-time buyers, those looking to downsize, or anyone seeking a ready-to-move-in home in a highly sought-after area.
Refurbished by the current owner around twelve months ago, this home effortlessly combines modern comfort with timeless charm. At its heart is a bright and airy open-plan lounge, dining, and family room, designed for relaxed living and entertaining alike. The newly fitted kitchen is contemporary in style and offers a practical and stylish space for cooking and socialising. Completing the ground floor is a sleek, modern shower room.
A charming conservatory at the rear extends the living space and provides a peaceful spot to enjoy views of the generous garden, which is mainly laid to lawn with mature shrubs and flower beds — an inviting space for outdoor relaxation and family enjoyment.
Upstairs, there are two well-proportioned double bedrooms along with a versatile storage/dressing room/study. The home benefits from gas central heating, UPVC double glazing throughout, and a neutral white theme that complements the contemporary style of the property.
This is a home that must be seen to be fully appreciated, and with its superb location close to local amenities, schools, and excellent transport links, it is sure to attract strong interest.
 
Accommodation
Lounge, Dining & Family Room (Open Plan)
A generous, light-filled living space with a feature fireplace and laminate flooring, offering the perfect environment for relaxing, entertaining, or spending quality time with family.
Kitchen
Recently installed with modern cabinets, integrated oven and hob, and practical work surfaces. A stylish and functional space for daily living.
Shower Room
Contemporary and immaculately presented with a walk-in shower enclosure, WC, and wash basin in white.
Conservatory
A bright, versatile addition in brick and UPVC, providing extra living space and beautiful views of the rear garden.
Bedroom One
A spacious double room with room for wardrobes and furnishings, offering a calm retreat.
Bedroom Two
A second double bedroom, ideal for children, guests, or a home office.
Storage/Dressing Room/Study
A useful area with the central heating boiler, perfect as a dressing room, home office, or additional storage space.
Garden
A generous rear garden mainly laid to lawn, featuring mature shrubs and flower borders. A lovely, private outdoor area for relaxing and enjoying the village setting.
Parking
On-street parking is available.
 
Measurements : - All measurements provided are approximate and for guidance purposes only. Floor plans are included as a service to our customers and are intended as a guide to layout only. Not to Scale.
Tenure : - The property is understood to be Freehold (To be confirmed by Vendor's Solicitor).
Services : - The property is understood to be connected to mains Drainage, Water, Electricity and Gas.  we wish to inform prospective purchasers that we have not carried out a detailed survey, nor tested the services, appliances and specific fittings for this property.
Disclaimer : - These particulars are produced in good faith, are set out as a general guide only and do not constitute any part of an offer or a contract. None of the statements contained in these particulars as to this property are to be relied on as statements or representations of fact. Any intending purchaser should satisfy him/herself by inspection of the property or otherwise as to the correctness of each of the statements prior to making an offer.
Thinking Of Selling? - We would be delighted to offer a FREE - NO OBLIGATION appraisal of your property and provide realistic advice in all aspects of the property market. Whether your property is not yet on the market or you are experiencing difficulty selling, all appraisals will be carried out with complete confidentiality.

Listed by

Yorkshire and The Humber

exp world uk limited

Reference: 168129905

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 01/09/2023

Expiry date: 31/08/2033

Current heating cost: £575/year

Potential heating cost: £537/year

Est. upgrade cost to C: £18,500

Recommendations

  • 50 mm internal or external wall insulation (£4,000 - £14,000)
  • Solar water heating (£4,000 - £6,000)
  • Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 2

Risk: In flood risk area

Environment Agency Flood Risk Areas (APSFR)

Floorplans

Floorplan 1

Floorplan 1

EPC Graphs

EPC 1

EPC 1

Price history

Event Date Price % change
Sold 09/02/2026 (5 months ago) £167,500

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
8 WEST GREEN, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4BH £235,000 27/11/2025 Terraced
Same street 91 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £200,000 29/09/2023 Terraced
Same street 167 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £100,000 31/07/2023 Other
Same street 145 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £185,000 16/12/2022 Terraced
1 WAINFLEET AVENUE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AY £124,000 09/12/2022 Terraced
Same street 91 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £260,000 30/11/2022 Terraced
18 WAINFLEET AVENUE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AY £56,000 31/10/2022 Terraced
Same street 175 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £165,000 30/09/2022 Terraced
251 HALLGATE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4BG £93,333 13/09/2022 Terraced
17 WAINFLEET AVENUE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AY £110,000 19/08/2022 Terraced
2 WAINFLEET AVENUE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AY £137,000 30/06/2022 Terraced
10 THE AVENUE, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 5QT £157,500 25/04/2022 Terraced
Same street 129 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £160,000 14/04/2022 Terraced
2 BUTTERFIELD MEWS, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4BW £180,000 04/03/2022 Terraced
19 WEST GREEN, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4BH £190,000 07/01/2022 Terraced
Same street 169 FINKLE STREET, COTTINGHAM, EAST RIDING OF YORKSHIRE, HU16 4AU £150,000 25/09/2021 Terraced

Street average: £174,286 (7 sales)

Area average: £142,537 (9 sales)

Capital growth trend

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

5y growth 31%
10y growth 56.9%

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

1y (index) 1.7%
5y (index) 16.3%
10y (index) 44.1%

Rental Range

Estimated market rent for East Riding of Yorkshire. Low = conservative, Realistic = average, Optimistic = best case.

Low £652/mo
Realistic £724/mo
Optimistic £796/mo

Based on Local Authority from postcode lookup → East Riding of Yorkshire.

LHA (30th percentile) floor for Hull & East Riding: £474/mo (Apr 2025 – Mar 2026)

Location

Nearby

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

Type Name Distance
Bus stop Cottingham South Street 0.1 miles
Shop Ian Black 0.1 miles
Shop Buckingham Opticians 0.1 miles
Train station Cottingham 0.5 miles
Hospital Mill View 0.9 miles
University University of Hull 0.9 miles
Train station Hull Paragon Interchange 3.9 miles

Street-level crime

Category Count
Violence and sexual offences 34
Anti-social behaviour 19
Shoplifting 19
Other theft 14
Burglary 7
Criminal damage and arson 7
Public order 4
Vehicle crime 4
Drugs 2
Other crime 2
Possession of weapons 1
Robbery 1
Total incidents 114

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
Bacon Garth Primary School Primary 0.2 miles Good — 16 Sep 2024
Hallgate Primary School Cottingham Primary 0.3 miles Good — 21 Apr 2024
Westfield Primary School Primary 0.3 miles Good — 23 Apr 2024
Cottingham High School and Sixth Form College Secondary 0.8 miles Good — 20 Jun 2017
Croxby Primary School Primary 1.2 miles Good — 17 Feb 2022

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, Finkle Street, HU16 £725/mo 2 0.06 miles OpenRent
2 Bed Flat, Finkle Street, HU16 £725/mo 2 0.06 miles OpenRent
2 Bed Flat, Finkle Street, HU16 £750/mo 2 0.06 miles OpenRent
2 Bed Flat, Hallgate, HU16 £650/mo 2 0.09 miles OpenRent
2 Bed Flat, Elmfield House, HU16 £750/mo 2 0.1 miles OpenRent
2 Bed Semi-Detached House, Dixon Court, HU16 £800/mo 2 0.3 miles OpenRent

Average rent: £733/mo (6 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 5.1% gross yield avg £173,438 sale, £733/mo rent
Rent ratio 0.43%
Max investor price (0.8%) £92,250
Target investor price (1%) £73,800
Gross yield 5.2%
Cost-to-rent ratio 19.2×
Monthly cashflow £-30/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term
Cash-on-cash ROI -0.7%
  • This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
  • 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).