Sold STC Terraced

126 ARGYLE STREET

ST HELENS, MERSEYSIDE WA10 2BS

2 beds 1 baths 786 sq ft Listed 15 Sep 2020 (-2097d)

£119,950

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# 2 bedroom terraced house for sale (WA10 2BS)

## Property Details

| Key | Value |
|-----|-------|
| Address | 126 ARGYLE STREET, ST HELENS, MERSEYSIDE WA10 2BS |
| Price | £119,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 2007-2011 |
| Floor area | 73 m² |
| Last sold | £118,000 Jul 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 13/09/2030
- **Current heating cost:** £347/year
- **Est. upgrade cost to C:** £4,540

### Recommendations
- E (£40)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9848-0093-6261-7530-4200)

## Description

**** **** This is a fantastic opportunity to purchase a larger than average two bedroom mid terrace property occupying a popular residential location within easy access of the town centre and nearby Victoria Park.  The property has a fully modernised interior and is tastefully presented throughout making internal inspection essential to fully appreciate the standard of living space.

The property briefly comprises - Entrance hallway with cloakroom WC, large open plan living/dining room with fitted kitchen. The first floor provides two good sized bedrooms and bathroom. Outside, there is a rear garden with paved patio and lawn area.

**ENTRANCE** **HALLWAY** **8' 10" x 7' 1" (2.7m x 2.16m)** Wood effect floor, stairs to 1st floor, understairs storage

**CLOAKROOM** **WC** **7' 0" x 4' 7" (2.15m x 1.40m)** Wood effect floor, WC with concealed cistern, wall mounted wash handbasin with splashback tiling.

**LOUNGE/DINER** **24' 7" x 10' 2" (7.5m x 3.1m)** Wood effect flooring, window to front elevation and french windows opening onto rear garden. Wall mounted gas fire and radiator.

**KITCHEN** **9' 10" x 9' 10" (3m x 3m)** Open plan from dining area, wood effect floor, a range of modern wall and base units with complimentary work tops with splashback tiling, gas hob, single electric oven, extractor, single bowl stainless steel sink with mixer tap, plumbing for washing machine and space for tall upright fridge/freezer.

**LANDING** **7' 3" x 6' 6" (2.22m x 2m)** Loft access

**BEDROOM** **ONE** **18' 1" x 9' 11" (5.53m x 3.03m)** Two windows to front elevation and radiator

**BEDROOM** **TWO** **12' 2" x 10' 4" (3.72m x 3.16m)** Window to rear elevation and radiator

**BATHROOM** **9' 2" x 6' 0" (2.8m x 1.85m)** Window to rear elevation, vinyl floor, 3 piece white bathroom suite consisting of panelled bath with shower over from mixer taps, WC and pedestal wash hand basin.  Part tiled walls, radiator.

**REAR** **GARDEN** **** Paved patio, lawned area and timber shed

## Property Photos

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## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 126 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2BS | £118,000 | 16/07/2021 | Terraced |
| 126 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2BS | £110,000 | 01/12/2016 | 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 |
|---------|-------|------|------|
| 45 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ | £107,000 | 17/12/2025 | Terraced |
| 31 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP | £160,000 | 27/10/2025 | Terraced |
| 98 STANHOPE STREET, ST HELENS, MERSEYSIDE, WA10 2BT | £89,000 | 15/08/2025 | Terraced |
| 53 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ | £140,000 | 15/07/2025 | Terraced |
| 143 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU | £76,000 | 17/10/2023 | Terraced |
| 76 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2DB | £105,000 | 03/10/2023 | Terraced |
| 13 ALBERT STREET, ST HELENS, MERSEYSIDE, WA10 2SB | £120,000 | 04/08/2023 | Terraced |
| 53 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ | £68,000 | 23/05/2023 | Terraced |
| 148 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU | £55,000 | 31/01/2023 | Terraced |
| 54 WINDLE STREET, ST HELENS, MERSEYSIDE, WA10 2DA | £240,000 | 16/12/2022 | Terraced |
| 17 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP | £135,000 | 01/12/2022 | Terraced |
| 51 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ | £125,000 | 18/11/2022 | Terraced |
| 143 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2UA | £150,000 | 28/10/2022 | Terraced |
| 103 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2TY | £178,000 | 28/09/2022 | Terraced |
| 171 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2UA | £138,000 | 27/09/2022 | Terraced |
| 108 STANHOPE STREET, ST HELENS, MERSEYSIDE, WA10 2BT | £94,000 | 30/08/2022 | Terraced |
| 154 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU | £120,000 | 28/07/2022 | Terraced |
| 39 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP | £94,000 | 15/07/2022 | Terraced |
| 1 WELLINGTON TERRACE, ST HELENS, MERSEYSIDE, WA10 2SN | £265,000 | 30/06/2022 | Terraced |
| 51 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP | £86,000 | 29/06/2022 | Terraced |
| [Same street] 112 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2BS | £141,000 | 14/07/2021 | Terraced |

**Street average:** £141,000 (1 sale)
**Area average:** £127,250 (20 sales)

## Price vs local average

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

- **Local average:** £125,477 (79 Terraced, WA10, 2024–2026)
- **Deviation:** -4.4%

## Rental Range

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

- **Low:** £704/mo
- **Realistic:** £782/mo
- **Optimistic:** £860/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £524/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 Terraced House, Exeter Street, WA10 | £850/mo | 2 | 0.78 miles | OpenRent |
| 2 Bed Terraced House, Lascelles St, WA9 | £750/mo | 2 | 1.11 miles | OpenRent |

**Average rent: £800/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.67% (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:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £223/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.7%

*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:** £1,643/m²

## Capital growth trend

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

- **5y growth:** 26.2%
- **10y growth:** 51.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 4%
- **5y growth (index):** 32.5%
- **10y growth (index):** 80.3%

## 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)

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Property details

Floor area

73 m²

EPC rating

Year built

England and Wales: 2007-2011

Last sold

£118,000 Jul 2021

Price per m²

£1,643/m²

Local average

£125,477 (-4.4%)

Deprivation

Decile 1 (929 of 33,755)

Street crime

372 incidents within 1 mile (Apr 2026)

Key features

Show Home Interiors
Larger than a typical terraced
Close to the town centre
The local park is within walking distance
No Upward Chain

Additional details

Parking: On street
Garden: Yes

Description

** This is a fantastic opportunity to purchase a larger than average two bedroom mid terrace property occupying a popular residential location within easy access of the town centre and nearby Victoria Park. The property has a fully modernised interior and is tastefully presented throughout making internal inspection essential to fully appreciate the standard of living space.
The property briefly comprises - Entrance hallway with cloakroom WC, large open plan living/dining room with fitted kitchen. The first floor provides two good sized bedrooms and bathroom. Outside, there is a rear garden with paved patio and lawn area.

ENTRANCE HALLWAY 8' 10" x 7' 1" (2.7m x 2.16m) Wood effect floor, stairs to 1st floor, understairs storage

CLOAKROOM WC 7' 0" x 4' 7" (2.15m x 1.40m) Wood effect floor, WC with concealed cistern, wall mounted wash handbasin with splashback tiling.

LOUNGE/DINER 24' 7" x 10' 2" (7.5m x 3.1m) Wood effect flooring, window to front elevation and french windows opening onto rear garden. Wall mounted gas fire and radiator.

KITCHEN 9' 10" x 9' 10" (3m x 3m) Open plan from dining area, wood effect floor, a range of modern wall and base units with complimentary work tops with splashback tiling, gas hob, single electric oven, extractor, single bowl stainless steel sink with mixer tap, plumbing for washing machine and space for tall upright fridge/freezer.

LANDING 7' 3" x 6' 6" (2.22m x 2m) Loft access

BEDROOM ONE 18' 1" x 9' 11" (5.53m x 3.03m) Two windows to front elevation and radiator

BEDROOM TWO 12' 2" x 10' 4" (3.72m x 3.16m) Window to rear elevation and radiator

BATHROOM 9' 2" x 6' 0" (2.8m x 1.85m) Window to rear elevation, vinyl floor, 3 piece white bathroom suite consisting of panelled bath with shower over from mixer taps, WC and pedestal wash hand basin. Part tiled walls, radiator.

REAR GARDEN ** Paved patio, lawned area and timber shed

Listed by

St Helens

The Property Franchise Group

Reference: 73255686

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 14/09/2020

Expiry date: 13/09/2030

Current heating cost: £347/year

Potential heating cost: £353/year

Est. upgrade cost to C: £4,540

Recommendations

Low energy lighting for all fixed outlets (£40)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Price history

7% since 2016

Event	Date	Price	% change
Sold	16/07/2021 (4 years ago)	£118,000	+7.3%
Sold	01/12/2016 (9 years ago)	£110,000	—

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
45 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ	£107,000	17/12/2025	Terraced
31 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP	£160,000	27/10/2025	Terraced
98 STANHOPE STREET, ST HELENS, MERSEYSIDE, WA10 2BT	£89,000	15/08/2025	Terraced
53 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ	£140,000	15/07/2025	Terraced
143 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU	£76,000	17/10/2023	Terraced
76 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2DB	£105,000	03/10/2023	Terraced
13 ALBERT STREET, ST HELENS, MERSEYSIDE, WA10 2SB	£120,000	04/08/2023	Terraced
53 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ	£68,000	23/05/2023	Terraced
148 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU	£55,000	31/01/2023	Terraced
54 WINDLE STREET, ST HELENS, MERSEYSIDE, WA10 2DA	£240,000	16/12/2022	Terraced
17 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP	£135,000	01/12/2022	Terraced
51 CHAPEL STREET, ST HELENS, MERSEYSIDE, WA10 2BJ	£125,000	18/11/2022	Terraced
143 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2UA	£150,000	28/10/2022	Terraced
103 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2TY	£178,000	28/09/2022	Terraced
171 NORTH ROAD, ST HELENS, MERSEYSIDE, WA10 2UA	£138,000	27/09/2022	Terraced
108 STANHOPE STREET, ST HELENS, MERSEYSIDE, WA10 2BT	£94,000	30/08/2022	Terraced
154 MORLEY STREET, ST HELENS, MERSEYSIDE, WA10 2BU	£120,000	28/07/2022	Terraced
39 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP	£94,000	15/07/2022	Terraced
1 WELLINGTON TERRACE, ST HELENS, MERSEYSIDE, WA10 2SN	£265,000	30/06/2022	Terraced
51 RUTLAND STREET, ST HELENS, MERSEYSIDE, WA10 2BP	£86,000	29/06/2022	Terraced
Same street 112 ARGYLE STREET, ST HELENS, MERSEYSIDE, WA10 2BS	£141,000	14/07/2021	Terraced

Street average: £141,000 (1 sale)

Area average: £127,250 (20 sales)

Capital growth trend

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

5y growth 26.2%

10y growth 51.3%

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

1y (index) 4%

5y (index) 32.5%

10y (index) 80.3%

Rental Range

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

Low £704/mo

Realistic £782/mo

Optimistic £860/mo

Based on Local Authority from postcode lookup → St. Helens.

LHA (30th percentile) floor for St Helens: £524/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View WA10 2BS

Nearby

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

Type	Name	Distance
Bus stop	NORTH ROAD/WINDLE STREET	0.1 miles
Bus stop	NORTH RD/ST MARKS CHURCH	0.1 miles
Shop	Unknown	0.2 miles
Shop	Fort Knox Self Storage	0.3 miles
Train station	St Helens Central	0.7 miles
Hospital	Fairfield Hospital	1.7 miles
Hospital	St Helens Hospital	1.7 miles
Train station	Thatto Heath	1.8 miles
University	Liverpool Hope University	7.8 miles
University	University of Chester - Warrington Campus	8.6 miles

Street-level crime

Category	Count
Violence and sexual offences	150
Shoplifting	42
Anti-social behaviour	34
Criminal damage and arson	32
Public order	30
Drugs	26
Vehicle crime	21
Other crime	12
Burglary	9
Other theft	9
Bicycle theft	3
Robbery	3
Possession of weapons	1
Total incidents	372

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
This Is My Education - TIME	Other	0.3 miles	Inadequate — 10 May 2023
Launchpad Centre	Other	0.3 miles	Good — 24 Mar 2017
St Mary & St Thomas CofE Primary School	Primary	0.4 miles	Outstanding — 20 Mar 2019
Rivington Primary School	Primary	0.4 miles	Good — 25 Apr 2024
Cowley International College	Secondary	0.5 miles	Good — 22 Nov 2016

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 Terraced House, Exeter Street, WA10	£850/mo	2	0.78 miles	OpenRent
2 Bed Terraced House, Lascelles St, WA9	£750/mo	2	1.11 miles	OpenRent

Average rent: £800/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £100,000

Target investor price (1%) £80,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £223/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 7.7%

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).