# 2 bedroom terraced house for sale (ST1 5JE) ## Property Details | Key | Value | |-----|-------| | Address | 55 LOWTHER STREET, STOKE-ON-TRENT, STOKE-ON-TRENT, STOKE-ON-TRENT ST1 5JE | | Price | £82,000 | | Bedrooms | 2 | | Bathrooms | 1 | | Construction age | England and Wales: 1900-1929 | | Floor area | 60 m² | | Last sold | £49,950 Dec 2005 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** C - **Expiry date:** 22/03/2036 - **Current heating cost:** £669/year - **Est. upgrade cost to C:** £18,250 ### Recommendations - Q (£7,500 - £11,000) - U (£8,000 - £10,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4836-9527-6600-0027-0226) ## Description Our latest listing is a 2-bedroom mid-terraced house located in Stoke-on-Trent. It is in close proximity to valuable amenities, is able to generate rewarding rental returns and has a tenant currently situated. For investors looking to expand their portfolio, this is a fantastic opportunity! This well-kept home features 2 bedrooms, lounge, bathroom and kitchen and back garden spaces. Investment details It currently produces an annual gross income of £6,900 with tenants currently situated. Considering the purchase price and the potential rental income that could be earned in future years, this will make for a worthwhile addition to an investors property portfolio. For greater detail on this property's investment potential, please see the Let Property Pack linked below. If you are interested, please call us. Tenancy Details The current tenants have lived in the property for several years and have consistently paid their rent for the duration of their stay. They do not have any intentions to move out so hope to remain in the property. We are committed to facilitating a smooth transaction process between buyer and seller. To allow for maximum commitment to the sale from both parties, a Buyers Premium will apply in order to secure a property. ## Property Photos - ![Photo](/listings/photos/87738888/125627) - ![Photo](/listings/photos/87738888/125628) - ![Photo](/listings/photos/87738888/125629) - ![Photo](/listings/photos/87738888/125630) - ![Photo](/listings/photos/87738888/125632) - ![Photo](/listings/photos/87738888/125633) - ![Photo](/listings/photos/87738888/125634) - ![Photo](/listings/photos/87738888/125635) - ![Photo](/listings/photos/87738888/125636) - ![Photo](/listings/photos/87738888/125637) - ![Photo](/listings/photos/87738888/125639) - ![Photo](/listings/photos/87738888/125641) - ![Photo](/listings/photos/87738888/125643) - ![Photo](/listings/photos/87738888/125644) - ![Photo](/listings/photos/87738888/125646) - ![Photo](/listings/photos/87738888/125648) - ![Photo](/listings/photos/87738888/125650) ## Floorplans - ![Floor Plan](/listings/photos/87738888/125652) - Floor Plan ## FENSA Certificates This property has 1 FENSA certificate(s) on record. ### FENSA Certificate #5067235 - **Address:** 55 Lowther Street, STOKE-ON-TRENT, ST1 5JE - **Certificate Issued:** 08/10/2007 - **Work Completed:** 26/04/2007 - **Items:** 4 window(s), 2 door(s) ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 55 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £49,950 | 15/12/2005 | Terraced | | 55 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £21,000 | 29/03/1996 | Terraced | | 55 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £21,825 | 29/09/1995 | 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 | |---------|-------|------|------| | 73 WINIFRED STREET, STOKE-ON-TRENT, ST1 5DN | £80,000 | 30/01/2026 | Terraced | | 42 RUTLAND STREET, STOKE-ON-TRENT, ST1 5JG | £87,500 | 11/12/2025 | Terraced | | 15 WAYTE STREET, STOKE-ON-TRENT, ST1 5DU | £105,000 | 12/09/2025 | Terraced | | 21 WINDERMERE STREET, STOKE-ON-TRENT, ST1 5EL | £77,000 | 21/07/2025 | Terraced | | 13 DENBIGH STREET, STOKE-ON-TRENT, ST1 5JA | £84,000 | 27/06/2025 | Terraced | | 46 RUTLAND STREET, STOKE-ON-TRENT, ST1 5JG | £100,000 | 31/01/2025 | Terraced | | 33 RUTLAND STREET, STOKE-ON-TRENT, ST1 5JG | £82,000 | 27/01/2025 | Terraced | | 15 WAYTE STREET, STOKE-ON-TRENT, ST1 5DU | £25,000 | 15/12/2023 | Terraced | | 43 RUTLAND STREET, STOKE-ON-TRENT, ST1 5JG | £55,000 | 07/12/2023 | Terraced | | 18 DENBIGH STREET, STOKE-ON-TRENT, ST1 5JB | £77,000 | 06/12/2023 | Terraced | | 36 PORTLAND STREET, STOKE-ON-TRENT, ST1 5DW | £58,500 | 08/11/2023 | Terraced | | 83 PORTLAND STREET, STOKE-ON-TRENT, ST1 5DR | £105,000 | 06/10/2023 | Terraced | | 22 MULGRAVE STREET, STOKE-ON-TRENT, ST1 5EP | £90,000 | 28/07/2023 | Terraced | | 7 SHAW STREET, STOKE-ON-TRENT, ST1 5JN | £115,000 | 10/07/2023 | Terraced | | 26 DENBIGH STREET, STOKE-ON-TRENT, ST1 5JB | £65,000 | 12/06/2023 | Terraced | | 49 DENBIGH STREET, STOKE-ON-TRENT, ST1 5JA | £75,000 | 26/05/2023 | Terraced | | 89 CENTURY STREET, STOKE-ON-TRENT, ST1 5HY | £52,500 | 02/05/2023 | Terraced | | 75 WINIFRED STREET, STOKE-ON-TRENT, ST1 5DN | £90,000 | 28/04/2023 | Terraced | | 48 WINIFRED STREET, STOKE-ON-TRENT, ST1 5DN | £116,000 | 13/04/2023 | Terraced | | 29 PORTLAND STREET, STOKE-ON-TRENT, ST1 5DR | £66,000 | 27/03/2023 | Terraced | | [Same street] 63 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £50,000 | 10/03/2023 | Terraced | | [Same street] 15 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £54,000 | 27/10/2022 | Terraced | | [Same street] 65 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £54,625 | 08/08/2022 | Terraced | | [Same street] 23 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £60,000 | 13/04/2022 | Terraced | | [Same street] 41 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £56,000 | 30/03/2022 | Terraced | | [Same street] 79 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £59,375 | 03/12/2021 | Terraced | | [Same street] 17 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £60,500 | 07/10/2021 | Terraced | | [Same street] 11 LOWTHER STREET, STOKE-ON-TRENT, ST1 5JE | £68,000 | 13/09/2021 | Terraced | **Street average:** £57,813 (8 sales) **Area average:** £80,275 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £102,893 (82 Terraced, ST1, 2024–2026) - **Deviation:** -20.3% ## Rental Range *ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £636/mo - **Realistic:** £707/mo - **Optimistic:** £778/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Staffordshire North (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £479/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 | |------|------|------|------|------| | [Denbigh Street, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/9c6c44f) | £750/mo | 2 | 0.04 miles | Rightmove | | [Cobridge Road, Stoke-On-Trent](http://87.117.209.195:8080/listings/1c14caf) | £725/mo | 2 | 0.13 miles | Rightmove | | [Wayte Street, Cobridge](http://87.117.209.195:8080/listings/293b6dc) | £750/mo | 2 | 0.21 miles | Rightmove | | [Lower Foundry Street, Hanley](http://87.117.209.195:8080/listings/492f54a) | £700/mo | 2 | 0.37 miles | Rightmove | | [Lower Foundry Street, Hanley](http://87.117.209.195:8080/listings/5b14e22) | £700/mo | 2 | 0.37 miles | Rightmove | | 2 Bed Terraced House, North Road, ST6 | £720/mo | 2 | 0.43 miles | OpenRent | | [Moxon Island, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/eadc0fa) | £475/mo | — | 0.47 miles | Rightmove | | [Moxons Island, 48 Stafford Street, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/0cb1b74) | £525/mo | — | 0.47 miles | Rightmove | | [Stafford Street, Stoke-on-Trent, ST1](http://87.117.209.195:8080/listings/a8431ae) | £575/mo | — | 0.55 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/87363f1) | £1,000/mo | 2 | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/82b75ee) | £1,000/mo | 2 | 0.57 miles | Rightmove | | [The Webberley, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/2d1fe0f) | £620/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/0a6b094) | £825/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/8ba40b9) | £825/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/8602134) | £875/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/eb293a8) | £825/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/f8571c5) | £875/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/c131718) | £825/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/1511edf) | £895/mo | — | 0.57 miles | Rightmove | | [Clayworks, Hanley](http://87.117.209.195:8080/listings/5fb73da) | £1,000/mo | 2 | 0.57 miles | Rightmove | **Average rent: £772/mo (57 listings)** ## 1% Rule - **Rent ratio:** 0.96% (okay) - **Max investor price (0.8%):** £98,500 - **Target investor price (1%):** £78,800 *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 £788/mo).* - **Gross yield:** 11.5% - **Cost-to-rent:** 8.7× - **Monthly cashflow:** £361/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 18.2% *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:** £1,367/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 17.5% - **10y growth:** 43.1% ## House Price Index (HM Land Registry) *Official index for Stoke-on-Trent; Terraced series; as of May 2026.* - **1y growth (index):** 5.3% - **5y growth (index):** 25.5% - **10y growth (index):** 59.2% ## 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)