# 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 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 77 m² |
| Last sold | £525,000 Jul 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 09/03/2031
- **Current heating cost:** £520/year
- **Est. upgrade cost to C:** £17,325

### Recommendations
- A (£100 - £350)
- W2 (£4,000 - £6,000)
- I (£2,200 - £3,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9707-3004-1207-9299-3204)

## 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
- ![Photo](/listings/photos/85359291/1310201) - Photo
- ![Photo](/listings/photos/85359291/1310202) - Photo
- ![Photo](/listings/photos/85359291/1310203) - Photo
- ![Photo](/listings/photos/85359291/1310204) - Photo
- ![Photo](/listings/photos/85359291/1310205) - Photo
- ![Photo](/listings/photos/85359291/1310206) - Photo
- ![Photo](/listings/photos/85359291/1310207) - Photo
- ![Photo](/listings/photos/85359291/1310208) - Photo
- ![Photo](/listings/photos/85359291/1310209) - Photo
- ![Photo](/listings/photos/85359291/1310210) - Photo
- ![Photo](/listings/photos/85359291/1310211) - Photo

## 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).*

## Price per Square Metre

- **£/m²:** £6,299/m²

## 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)