Sold STC Semi-detached

20 WATER STREET

CAMBRIDGE, CAMBRIDGESHIRE CB4 1PA

2 beds 2 baths 990 sq ft Listed 8 Nov 2024 (-563d)

£550,000

Guide Price

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Property details

Tenure

FREEHOLD

Floor area

92 m²

Council tax band

D

EPC rating

D

Year built

England and Wales: 1930-1949

Last sold

£600,000 Mar 2026

Price per m²

£5,978/m²

Local average

£654,339 (-15.9%)

Deprivation

Decile 6 (17,937 of 33,755)

Street crime

452 incidents within 1 mile (Mar 2026)

Key features

  • Riverside Property
  • Two-Bedrooms
  • No Onward Chain
  • Scenic Views
  • Generous Rear Garden
  • En-suite To Master

Additional details

Electricity
Mains supply
Water
Mains supply
Sewerage
Mains supply
Parking
Yes
Garden
Yes

Description

This charming property offers a bright and welcoming entrance hall with natural light streaming through dual-aspect windows, complemented by exposed oak flooring and double radiators. A grand staircase leads to the upper level, while a ground floor WC provides added convenience. The spacious open-plan lounge and dining area features a lovely bay window, offering plenty of natural light and views to both the front and rear of the property. The lounge/dining room boasts beautiful exposed oak flooring, a traditional cast-iron fireplace with a slate surround and bi-folding doors that seamlessly open to the rear garden. The contemporary kitchen is elegantly designed with granite worktops, tiled flooring, a classic butler sink and double-glazed windows overlooking the rear garden. It is fully equipped with integrated appliances, including a gas cooker, double oven, extractor fan, plumbing for both a dishwasher and washing machine, with matching wall and base units to complete the space.

Upstairs, the generously sized main bedroom offers comfort and scenic views of the River Cam, featuring exposed wood flooring, a radiator and large windows that bring in natural light. The en-suite bathroom is a luxurious retreat with exposed oak flooring, a roll-top bath, a corner shower with tiled splash backs, and a traditional vanity, all bathed in natural light from full-length feature windows. Another spacious bedroom with dark oak flooring and a radiator is ideal for fitted or freestanding furniture and includes access to a stylish Jack-and-Jill shower room. This shower room is well-appointed with a corner shower, pedestal sink, WC, exposed wood flooring and obscured window overlooking the front of the property.

Outside, the property is set on a generous plot with a block-paved front garden and enclosed fencing, offering parking on the street. The rear garden is a standout feature, south-facing and backing directly onto the River Cam. This expansive space includes a paved area, a lawn perfect for gardening enthusiasts and a patio ideal for outdoor entertaining, all with scenic views of the river.

Located in the peaceful northeast corner of Cambridge, the property on Water Street offers stunning views across Stourbridge Common and direct access to the River Cam, providing an idyllic setting for nature lovers. The city centre, historic colleges and cultural attractions of Cambridge are just a 10-minute cycle ride or 25-minute walk along the river path. The area offers a peaceful and quiet environment, making it perfect for families and commuters alike. Nearby, you'll find several schools and nurseries and the vibrant community is reflected in regular gatherings at the Green Dragon pub, just a short walk away. The current owners have cherished the serene atmosphere and natural beauty of the location, often spending time in the garden watching ducks and swans drift by, making this an exceptional place to call home.

Listed by

Cambridge

Spicerhaart

Reference: 154755737

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 04/11/2024

Current heating cost: £1,202/year

Potential heating cost: £818/year

Est. upgrade cost to C: £20,900

Recommendations

  • Cavity wall insulation (£500 - £1,500)
  • 50 mm internal or external wall insulation (£4,000 - £14,000)
  • Floor insulation (suspended floor) (£800 - £1,200)
  • Upgrade heating controls (£350 - £450)
  • 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: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

Floorplan 1

EPC Graphs

EPC 1

EPC 1

Price history

Event Date Price % change
Sold 06/03/2026 (2 months ago) £600,000

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
Same street 62 WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1PA £500,000 15/12/2025 Detached
Same street 70A WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1PA £1,175,000 28/02/2025 Semi-detached
146 SCOTLAND ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1QQ £499,500 22/09/2023 Semi-detached
146 GREEN END ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1RN £513,500 07/09/2023 Semi-detached
2 ENNISKILLEN ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1SQ £415,000 13/04/2023 Semi-detached
Same street 70 WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1PA £1,300,000 07/02/2023 Other
13 DALTON SQUARE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1QJ £491,000 25/11/2022 Semi-detached
136 GREEN END ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1RN £652,300 18/11/2022 Semi-detached
21 ENNISKILLEN ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1SQ £321,000 19/10/2022 Semi-detached
17 PETERHOUSE MEWS, CHESTERTON, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1UW £265,000 16/09/2022 Semi-detached
25 WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1NZ £550,000 31/08/2022 Semi-detached
Same street BOAT HOUSE, 10 WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1PA £1,010,000 12/08/2022 Detached
12 MIDHURST CLOSE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1RQ £393,555 31/01/2022 Semi-detached
Same street 86 WATER STREET, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1PA £1,010,827 17/12/2021 Detached
1 ENNISKILLEN ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1SQ £418,000 24/09/2021 Semi-detached
168 GREEN END ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1RN £502,000 01/09/2021 Semi-detached
121 HIGH STREET, CHESTERTON, CAMBRIDGE, CAMBRIDGESHIRE, CB4 1NL £495,000 20/08/2021 Semi-detached

Street average: £999,165 (5 sales)

Area average: £459,655 (12 sales)

Capital growth trend

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

5y growth 13.9%
10y growth -1.1%

House Price Index (HM Land Registry — official index, not sold-price averages): Cambridge. Series: Semi-detached. As of February 2026.

1y (index) -0.5%
5y (index) 8.7%
10y (index) 12.6%

Rental Range

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

Low £1,620/mo
Realistic £1,800/mo
Optimistic £1,980/mo

Based on Local Authority from postcode lookup → Cambridge.

LHA (30th percentile) floor for Cambridge: £947/mo (Apr 2025 – Mar 2026)

Location

Nearby

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

Type Name Distance
Shop Unknown 0.1 miles
Shop Cheryl's News 0.1 miles
Bus stop Water Lane 0.1 miles
Hospital Urgent Care Cambridge 0.4 miles
Train station Cambridge North 0.7 miles
University BPP 1.4 miles
Train station Cambridge 1.7 miles
Hospital Cambridge Lea Hospital (Spire) 2.3 miles

Street-level crime

Category Count
Violence and sexual offences 126
Shoplifting 85
Anti-social behaviour 62
Public order 31
Other theft 30
Vehicle crime 28
Criminal damage and arson 23
Burglary 21
Bicycle theft 16
Drugs 12
Other crime 8
Possession of weapons 7
Robbery 2
Theft from the person 1
Total incidents 452

Within 1 mile during Mar 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
Chesterton Primary School Primary 0.3 miles Good — 11 Sep 2015
Cambridge Arts and Sciences (CATS and CSVPA) Other 0.4 miles (No rating)
Shirley Community Primary School Primary 0.5 miles Good — 24 Apr 2024
Milton Road Primary School Primary 0.8 miles Good — 17 Jun 2019
Olive AP Academy - Cambridge Other 0.8 miles Good — 30 Sep 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, Green End Road, CB4 £1,550/mo 2 0.2 miles OpenRent
2 Bed End Terrace, High Street, CB4 £1,700/mo 2 0.2 miles OpenRent
2 Bed Flat, Union Lane, CB4 £1,650/mo 2 0.35 miles OpenRent
2 Bed Flat, Cambanks, CB4 £1,500/mo 2 0.39 miles OpenRent
2 Bed Flat, Maltings Close, CB5 £2,450/mo 2 0.41 miles OpenRent
2 Bed Flat, Longworth Avenue, CB4 £2,075/mo 2 0.43 miles OpenRent
2 Bed Detached House, Fen Road, CB4 £1,590/mo 2 0.53 miles OpenRent

Average rent: £1,788/mo (7 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.3%
Max investor price (0.8%) £206,250
Target investor price (1%) £165,000
Gross yield 3.6%
Cost-to-rent ratio 27.8×
Monthly cashflow £-706/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term
Cash-on-cash ROI -5.3%
  • 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).