# 2 bedroom flat for sale (OX16 9JS)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 5, MORELAND HOUSE, 41, BLOXHAM ROAD, BANBURY, OXFORDSHIRE OX16 9JS |
| Price | £218,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 59 m² |
| Last sold | £210,000 Mar 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 21/08/2034
- **Current heating cost:** £1,195/year
- **Est. upgrade cost to C:** £11,600

### Recommendations
- Q (£4,000 - £14,000)
- I (£2,200 - £3,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2024-3041-2208-4114-2200)

## Description

A beautifully presented two bedroom apartment located close to the town centre on this highly regarded road forming part of this handsome period house conversion.

## Property Photos

- ![Photo 5](/listings/photos/151638512/1040082) - Photo 5
- ![Photo 12](/listings/photos/151638512/1040083) - Photo 12
- ![Photo 11](/listings/photos/151638512/1040084) - Photo 11
- ![Photo 4](/listings/photos/151638512/1040085) - Photo 4
- ![Photo 8](/listings/photos/151638512/1040086) - Photo 8
- ![Photo 6](/listings/photos/151638512/1040087) - Photo 6
- ![Photo 12](/listings/photos/151638512/1040088) - Photo 12
- ![Photo 2](/listings/photos/151638512/1040089) - Photo 2
- ![Photo 10](/listings/photos/151638512/1040090) - Photo 10
- ![Photo 11](/listings/photos/151638512/1040091) - Photo 11
- ![Photo 3](/listings/photos/151638512/1040092) - Photo 3

## Floorplans

- ![Floorplan 1](/listings/photos/151638512/1040093) - Floorplan 1

## EPC Graphs

- ![Energy Performance Certificate](/listings/photos/151638512/1040094) - Energy Performance Certificate

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| MORELAND HOUSE, 41 FLAT 5 BLOXHAM ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9JS | £210,000 | 23/03/2026 | Flat |
| MORELAND HOUSE, 41 FLAT 5 BLOXHAM ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9JS | £213,000 | 30/03/2021 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| UPTON COURT, 19A FLAT 1 CROUCH STREET, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PP | £169,950 | 20/11/2023 | Flat |
| GARDEN COURT 4 NEW ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PN | £222,500 | 06/09/2023 | Flat |
| UPTON COURT, 19A FLAT 4 CROUCH STREET, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PP | £156,001 | 11/08/2023 | Flat |
| MORELAND HOUSE, 41 FLAT 1 BLOXHAM ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9JS | £174,000 | 04/11/2022 | Flat |
| GARDEN COURT 1 NEW ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PN | £225,000 | 27/10/2022 | Flat |
| GARDEN COURT 3 NEW ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PN | £230,000 | 23/09/2022 | Flat |
| GARDEN COURT 5 NEW ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PN | £295,000 | 15/08/2022 | Flat |
| LEIGHSANNE COURT 10 MEWBURN ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9NZ | £125,000 | 05/08/2022 | Flat |
| GARDEN COURT 2 NEW ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PN | £235,000 | 08/07/2022 | Flat |
| UPTON COURT, 19A FLAT 9 CROUCH STREET, BANBURY, CHERWELL, OXFORDSHIRE, OX16 9PP | £155,000 | 17/06/2022 | Flat |
| 1 - 2 FLAT 1A ST JOHNS PLACE, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5HP | £135,000 | 09/11/2021 | Flat |

**Area average:** £192,950 (11 sales)

## Price vs local average

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

- **Local average:** £152,485 (33 Flat, OX16, 2024–2026)
- **Deviation:** +43%

## Rental Range

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

- **Low:** £1,160/mo
- **Realistic:** £1,289/mo
- **Optimistic:** £1,418/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Cherwell Valley (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 |
|------|------|------|------|------|
| [The Studio Annex, Sinclair Avenue, Banbury](http://87.117.209.195:8080/listings/f89f72c) | £800/mo | — | 1.02 miles | Rightmove |

**Average rent: £800/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.37% (weak for cashflow)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*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 £800/mo).*

- **Gross yield:** 4.4%
- **Cost-to-rent:** 22.7×
- **Monthly cashflow:** £-164/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -3.1%

*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:** £3,695/m²

## Capital growth trend

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

- **5y growth:** -0.8%
- **10y growth:** -5.8%

## House Price Index (HM Land Registry)

*Official index for Cherwell; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -1.2%
- **5y growth (index):** 6.4%
- **10y growth (index):** 10.5%

## 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)