# 2 bedroom terraced house for sale (CO10 1HJ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 CHURCH WALK, SUDBURY, SUFFOLK CO10 1HJ |
| Price | £190,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: before 1900 |
| Floor area | 59 m² |
| Last sold | £163,000 Mar 2019 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 14/09/2035
- **Current heating cost:** £765/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/7400-0655-0522-8596-3153)

## Description

**SUMMARY**

*Permit parking available* Set within a popular part of central Sudbury, giving easy access to both the town centre and water meadows is this two bedroom cottage, benefitting from a first floor bathroom and private rear garden.

**DESCRIPTION**

Sudbury has a wide range of amenities including various sports clubs, the renowned Quay Theatre, a twice weekly market, leisure facilities, pubs and restaurants as well as wonderful walks across the riverside meadows and surrounding countryside. The branch line railway station connecting to the main line at Marks Tey gives links to London Liverpool Street in about 1 hour 20 minutes. Sudbury lies 14 miles to the north of Colchester, 14 miles to the south of Bury St Edmunds and there is easy access from the town via Halstead/Braintree to the A120, M11 and Stansted airport.

**Entrance Porch** 

Door to front aspect.  Door leading to:-

**Lounge** 13' 10" x 12' 10" + recess ( 4.22m x 3.91m + recess )

Secondary glazed sash window to front aspect.  Fireplace.  Built in storage cupboards.  Stairs rising to first floor.  Door leading to:-

**Kitchen** 11' 3" x 7' 11" max ( 3.43m x 2.41m max )

Double glazed window to side aspect.  Double glazed door leading to garden.  Fitted kitchen with a range of matching wall and base units over areas of work surface.  Butler sink set into worktop.  Central heating boiler.  Integral oven with hob and hood over.  Space for appliances.

**Landing** 

Doors leading to bedrooms and bathroom.  Electric heater.

**Bedroom One** 12' 6" x 8' 4" ( 3.81m x 2.54m )

Secondary glazed sash window to front aspect.  Electric heater.

**Bedroom Two** 11' 3" x 7' 11" ( 3.43m x 2.41m )

Double glazed window to rear aspect.  Built in wardrobe, radiator.

**Bathroom** 

Double glazed window to rear aspect.  Suite comprising low level WC, wash hand basin and bath with mixer tap and shower over.  Radiator.

**Rear Garden** 

The rear garden commences with a patio seating area with the remainder predominantly laid to lawn.  Rear gate access.

1. MONEY LAUNDERING REGULATIONS: Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.

2. General: While we endeavour to make our sales particulars fair, accurate and reliable, they are only a general guide to the property and, accordingly, if there is any point which is of particular importance to you, please contact the office and we will be pleased to check the position for you, especially if you are contemplating travelling some distance to view the property.

3. The measurements indicated are supplied for guidance only and as such must be considered incorrect.

4. Services: Please note we have not tested the services or any of the equipment or appliances in this property, accordingly we strongly advise prospective buyers to commission their own survey or service reports before finalising their offer to purchase.

5. THESE PARTICULARS ARE ISSUED IN GOOD FAITH BUT DO NOT CONSTITUTE REPRESENTATIONS OF FACT OR FORM PART OF ANY OFFER OR CONTRACT. THE MATTERS REFERRED TO IN THESE PARTICULARS SHOULD BE INDEPENDENTLY VERIFIED BY PROSPECTIVE BUYERS OR TENANTS. NEITHER SEQUENCE (UK) LIMITED NOR ANY OF ITS EMPLOYEES OR AGENTS HAS ANY AUTHORITY TO MAKE OR GIVE ANY REPRESENTATION OR WARRANTY WHATEVER IN RELATION TO THIS PROPERTY.

## Property Photos

- ![Photo](/listings/photos/167139122/1389237)
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- ![Photo](/listings/photos/167139122/1389239)
- ![Photo](/listings/photos/167139122/1389241)
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- ![Photo](/listings/photos/167139122/1389243)
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- ![Photo](/listings/photos/167139122/1389246)
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- ![Photo](/listings/photos/167139122/1389248)
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- ![Photo](/listings/photos/167139122/1389252)
- ![Photo](/listings/photos/167139122/1389253)
- ![Photo](/listings/photos/167139122/1389254)

## Floorplans

- ![Floorplan 1](/listings/photos/167139122/1389256) - Floorplan 1

## EPC Graphs

- ![EPC](/listings/photos/167139122/1389257) - EPC

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #2786865
- **Address:** 3 Church Walk, SUDBURY, CO10 1HJ
- **Certificate Issued:** 14/06/2005
- **Work Completed:** 23/05/2005
- **Items:** 1 window(s), 1 door(s)

### FENSA Certificate #16432440
- **Address:** 3 Church Walk, SUDBURY, CO10 1HJ
- **Certificate Issued:** 18/08/2024
- **Work Completed:** 14/06/2024
- **Items:** 3 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 CHURCH WALK, SUDBURY, BABERGH, SUFFOLK, CO10 1HJ | £163,000 | 14/03/2019 | 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 |
|---------|-------|------|------|
| 35 NEW STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JB | £180,000 | 16/01/2026 | Terraced |
| TUSCAN HOUSE ACTON SQUARE, SUDBURY, BABERGH, SUFFOLK, CO10 1HG | £370,000 | 06/01/2026 | Terraced |
| 5 BERRY TERRACE, SUDBURY, BABERGH, SUFFOLK, CO10 1HT | £230,000 | 05/01/2026 | Terraced |
| 6 CROFT ROAD, SUDBURY, BABERGH, SUFFOLK, CO10 1JD | £198,000 | 05/11/2025 | Terraced |
| 25 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £280,000 | 30/11/2023 | Terraced |
| 3 SIAM PLACE, SUDBURY, BABERGH, SUFFOLK, CO10 1JH | £310,000 | 14/06/2023 | Terraced |
| 6 NEW STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JB | £156,000 | 09/03/2023 | Terraced |
| 7 ACTON SQUARE, SUDBURY, BABERGH, SUFFOLK, CO10 1HQ | £375,000 | 04/11/2022 | Terraced |
| 10 NEW STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JB | £205,000 | 15/09/2022 | Terraced |
| 6 NEW STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JB | £140,000 | 17/08/2022 | Terraced |
| 14 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £225,000 | 25/07/2022 | Terraced |
| 3 THE CROFT, SUDBURY, BABERGH, SUFFOLK, CO10 1HN | £275,000 | 22/06/2022 | Terraced |
| 51 GREGORY STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1BA | £305,000 | 23/05/2022 | Terraced |
| 23 NEW STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JB | £232,500 | 22/04/2022 | Terraced |
| 49 GREGORY STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1BA | £215,000 | 18/02/2022 | Terraced |
| 26 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £268,000 | 08/02/2022 | Terraced |
| 11 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £221,000 | 21/01/2022 | Terraced |
| 12 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £216,800 | 21/01/2022 | Terraced |
| BURKITTS COURT 2 BURKITTS LANE, SUDBURY, BABERGH, SUFFOLK, CO10 1HB | £150,000 | 06/01/2022 | Terraced |
| 23 PRINCE STREET, SUDBURY, BABERGH, SUFFOLK, CO10 1JA | £260,000 | 21/12/2021 | Terraced |

**Area average:** £240,615 (20 sales)

## Price vs local average

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

- **Local average:** £269,321 (56 Terraced, CO10, 2024–2026)
- **Deviation:** -29.5%

## Rental Range

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

- **Low:** £875/mo
- **Realistic:** £972/mo
- **Optimistic:** £1,069/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £773/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, Gainsborough Court, CO10 | £900/mo | 2 | 0.1 miles | OpenRent |
| 2 Bed Flat, Walnut Tree Lane, CO10 | £995/mo | 2 | 0.17 miles | OpenRent |
| 2 Bed Flat, Walnut Tree Lane, CO10 | £995/mo | 2 | 0.17 miles | OpenRent |
| 2 Bed Flat, Sudbury, CO10 | £1,100/mo | 2 | 0.3 miles | OpenRent |
| 2 Bed Flat, Sudbury, CO10 | £1,200/mo | 2 | 0.3 miles | OpenRent |
| 2 Bed Semi-Detached House, Acton Lane, CO10 | £995/mo | 2 | 0.44 miles | OpenRent |
| 2 Bed Terraced House, Talbot Road, CO10 | £895/mo | 2 | 0.82 miles | OpenRent |

**Average rent: £1,011/mo (7 listings)**

## 1% Rule

- **Rent ratio:** 0.52% (weak for cashflow)
- **Max investor price (0.8%):** £124,375
- **Target investor price (1%):** £99,500

*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 £995/mo).*

- **Gross yield:** 6.3%
- **Cost-to-rent:** 15.9×
- **Monthly cashflow:** £122/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.7%

*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:** £3,220/m²

## Capital growth trend

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

- **5y growth:** 8.4%
- **10y growth:** 20.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 1.4%
- **5y growth (index):** 10.6%
- **10y growth (index):** 30.2%

## 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)