Sold STC Terraced

21 CHALKDELL FIELDS

ST ALBANS, HERTFORDSHIRE AL4 9LZ

2 beds 1 baths 77 m² Listed 31 May 2022 (-1523d)

£485,000

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# 2 bedroom terraced house for sale (AL4 9LZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 21 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE AL4 9LZ |
| Price | £485,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £525,000 Jul 2022 |

## Description

NO UPPER CHAIN

An extended two bedroom terraced house located in close proximity of the local OUTSTANDING schools. The property comprises of an entrance porch, large living room with fireplace, kitchen and dining area on the ground floor. Upstairs are two double bedrooms both with built in wardrobes and a recently fitted wet room.

Externally this property has OFF-ROAD PARKING to the front and a wonderful west facing garden with a workshop to the rear. The property has planning permission to extend to the rear (single storey) and add a loft conversion, planning application 5/2021/1052 and 5/2021/1053.

Chalkdell Fields is conveniently located within walking distance of the popular Quadrant shopping parade and close to OUTSTANDING SCHOOLING including Sandringham Secondary School, whilst the city centre with its wider variety of shopping facilities and restaurants is only a short drive away. St Albans mainline station with trains to London St Pancras is also only a short drive away and there is a regular bus service close by.

## Property Photos

- ![Photo](/listings/photos/85359291/1310200) - Photo
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## Floorplans

- ![Floorplan](/listings/photos/85359291/1310212) - Floorplan

## EPC Graphs

- ![EPC](/listings/photos/85359291/1310213) - EPC

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #8933383
- **Address:** 21 Chalkdell Fields, ST. ALBANS, AL4 9LZ
- **Certificate Issued:** 02/07/2012
- **Work Completed:** 12/06/2012
- **Items:** 1 window(s)

### FENSA Certificate #8707209
- **Address:** 21 Chalkdell Fields, ST. ALBANS, AL4 9LZ
- **Certificate Issued:** 08/03/2012
- **Work Completed:** 08/02/2012
- **Items:** 2 window(s)

### FENSA Certificate #11693670
- **Address:** 21 Chalkdell Fields, ST. ALBANS, AL4 9LZ
- **Certificate Issued:** 20/06/2016
- **Work Completed:** 17/05/2016
- **Items:** 3 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE, AL4 9LZ | £525,000 | 14/07/2022 | 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 |
|---------|-------|------|------|
| 19 BISHOPS CLOSE, ST ALBANS, HERTFORDSHIRE, AL4 9AR | £650,000 | 31/01/2025 | Terraced |
| 25 BISHOPS CLOSE, ST ALBANS, HERTFORDSHIRE, AL4 9AR | £500,000 | 09/05/2023 | Terraced |
| 55 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE, AL4 9LT | £731,000 | 28/11/2022 | Terraced |
| 26 FURSE AVENUE, ST ALBANS, HERTFORDSHIRE, AL4 9NE | £595,000 | 29/06/2022 | Terraced |
| 16 CANBERRA CLOSE, ST ALBANS, HERTFORDSHIRE, AL3 6LW | £477,500 | 19/04/2022 | Terraced |
| [Same street] 25 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE, AL4 9LZ | £676,000 | 07/01/2022 | Terraced |
| 7 MARTEN GATE, ST ALBANS, HERTFORDSHIRE, AL4 9NB | £475,500 | 25/10/2021 | Terraced |
| 23 BOLING BROOK, ST ALBANS, HERTFORDSHIRE, AL4 9NP | £525,000 | 10/08/2021 | Terraced |
| 5 BOLING BROOK, ST ALBANS, HERTFORDSHIRE, AL4 9NP | £520,000 | 02/08/2021 | Terraced |

**Street average:** £676,000 (1 sale)
**Area average:** £559,250 (8 sales)

## Price vs local average

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

- **Local average:** £536,818 (22 Terraced, AL4, 2024–2026)
- **Deviation:** -9.7%

## Rental Range

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

- **Low:** £1,738/mo
- **Realistic:** £1,931/mo
- **Optimistic:** £2,124/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for South West Herts (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,247/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 Maisonette, Beech Road, AL3 | £1,650/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Flat, Oak Court, AL3 | £2,050/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, The Birches, AL3 | £1,850/mo | 2 | 0.4 miles | OpenRent |

**Average rent: £1,850/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.38% (weak for cashflow)
- **Max investor price (0.8%):** £231,250
- **Target investor price (1%):** £185,000

*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 £1,850/mo).*

- **Gross yield:** 4.6%
- **Cost-to-rent:** 21.8×
- **Monthly cashflow:** £-270/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.3%

*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).*

## Capital growth trend

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

- **5y growth:** -16.7%
- **10y growth:** 44.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 3%
- **5y growth (index):** 16%
- **10y growth (index):** 23.7%

## 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

Tenure

FREEHOLD

Floor area

77 m²

Last sold

£525,000 Jul 2022

Local average

£536,818 (-9.7%)

Deprivation

Decile 9 (27,978 of 33,755)

Street crime

116 incidents within 1 mile (May 2026)

Key features

No Upper Chain
Terraced Home
Two Bedrooms
Recently Fitted Wet Room
Large Living Room
Kitchen With Dining Area
Beautiful Garden
Close To Outstanding Schools

Additional details

Parking: Yes
Garden: Yes

Description

NO UPPER CHAIN

An extended two bedroom terraced house located in close proximity of the local OUTSTANDING schools. The property comprises of an entrance porch, large living room with fireplace, kitchen and dining area on the ground floor. Upstairs are two double bedrooms both with built in wardrobes and a recently fitted wet room.

Externally this property has OFF-ROAD PARKING to the front and a wonderful west facing garden with a workshop to the rear. The property has planning permission to extend to the rear (single storey) and add a loft conversion, planning application 5/2021/1052 and 5/2021/1053.

Chalkdell Fields is conveniently located within walking distance of the popular Quadrant shopping parade and close to OUTSTANDING SCHOOLING including Sandringham Secondary School, whilst the city centre with its wider variety of shopping facilities and restaurants is only a short drive away. St Albans mainline station with trains to London St Pancras is also only a short drive away and there is a regular bus service close by.

Listed by

Marshalswick

Bradford & Howley

Reference: 85359291

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8933383

Property Details

Street: 21 Chalkdell Fields

Town: ST. ALBANS

Postcode: AL4 9LZ

Installation Details

Items: 1 window

Certificate Issued: 02/07/2012

Work Completed: 12/06/2012

This certificate data was retrieved from FENSA's database

FENSA Certificate #8707209

Property Details

Street: 21 Chalkdell Fields

Town: ST. ALBANS

Postcode: AL4 9LZ

Installation Details

Items: 2 windows

Certificate Issued: 08/03/2012

Work Completed: 08/02/2012

This certificate data was retrieved from FENSA's database

FENSA Certificate #11693670

Property Details

Street: 21 Chalkdell Fields

Town: ST. ALBANS

Postcode: AL4 9LZ

Installation Details

Items: 3 windows

Certificate Issued: 20/06/2016

Work Completed: 17/05/2016

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	14/07/2022 (4 years ago)	£525,000	—

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
19 BISHOPS CLOSE, ST ALBANS, HERTFORDSHIRE, AL4 9AR	£650,000	31/01/2025	Terraced
25 BISHOPS CLOSE, ST ALBANS, HERTFORDSHIRE, AL4 9AR	£500,000	09/05/2023	Terraced
55 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE, AL4 9LT	£731,000	28/11/2022	Terraced
26 FURSE AVENUE, ST ALBANS, HERTFORDSHIRE, AL4 9NE	£595,000	29/06/2022	Terraced
16 CANBERRA CLOSE, ST ALBANS, HERTFORDSHIRE, AL3 6LW	£477,500	19/04/2022	Terraced
Same street 25 CHALKDELL FIELDS, ST ALBANS, HERTFORDSHIRE, AL4 9LZ	£676,000	07/01/2022	Terraced
7 MARTEN GATE, ST ALBANS, HERTFORDSHIRE, AL4 9NB	£475,500	25/10/2021	Terraced
23 BOLING BROOK, ST ALBANS, HERTFORDSHIRE, AL4 9NP	£525,000	10/08/2021	Terraced
5 BOLING BROOK, ST ALBANS, HERTFORDSHIRE, AL4 9NP	£520,000	02/08/2021	Terraced

Street average: £676,000 (1 sale)

Area average: £559,250 (8 sales)

Capital growth trend

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

5y growth -16.7%

10y growth 44.4%

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

1y (index) 3%

5y (index) 16%

10y (index) 23.7%

Rental Range

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

Low £1,738/mo

Realistic £1,931/mo

Optimistic £2,124/mo

Based on Local Authority from postcode lookup → St Albans.

LHA (30th percentile) floor for South West Herts: £1,247/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View AL4 9LZ

Nearby

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

Type	Name	Distance
Bus stop	Sandridge Gate Business Centre	0.1 miles
Shop	Beauty Bar	0.2 miles
Shop	Gents of St Albans Barbershop	0.2 miles
Train station	St Albans City	1.3 miles
Train station	St Albans Abbey	2.0 miles
University	University of Hertfordshire	6.1 miles
University	Boltons Park Farm	6.8 miles
Hospital	Watford General Hospital	9.0 miles
Hospital	Luton and Dunstable Hospital	11.1 miles

Street-level crime

Category	Count
Violence and sexual offences	23
Anti-social behaviour	22
Other theft	20
Criminal damage and arson	17
Vehicle crime	13
Public order	8
Shoplifting	5
Burglary	4
Drugs	2
Other crime	1
Possession of weapons	1
Total incidents	116

Within 1 mile during May 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
Wheatfields Junior Mixed School	Primary	0.3 miles	Good — 7 Feb 2013
Wheatfields Infants' and Nursery School	Primary	0.3 miles	Outstanding — 8 Oct 2014
Sandringham School	Secondary	0.5 miles	Outstanding — 21 Mar 2024
Bernards Heath Junior School	Primary	0.5 miles	Good — 29 Jan 2024
St Albans Girls' School	Secondary	0.6 miles	— (Inspected (no overall grade))

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 Maisonette, Beech Road, AL3	£1,650/mo	2	0.29 miles	OpenRent
2 Bed Flat, Oak Court, AL3	£2,050/mo	2	0.4 miles	OpenRent
2 Bed Flat, The Birches, AL3	£1,850/mo	2	0.4 miles	OpenRent

Average rent: £1,850/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.38%

Max investor price (0.8%) £231,250

Target investor price (1%) £185,000

Gross yield 4.6%

Cost-to-rent ratio 21.8×

Monthly cashflow £-270/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.3%

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).