# 1 bedroom flat for sale (ST5 3JS) ## Property Details | Key | Value | |-----|-------| | Address | FLAT 5, ELMHURST, HARROWBY DRIVE, NEWCASTLE, NEWCASTLE, STAFFORDSHIRE ST5 3JS | | Price | £110,000 | | Bedrooms | 1 | | Bathrooms | 1 | | Council tax | A | | Last sold | £102,950 Sep 2006 | ## Description FOR SALE: ONE-BEDROOM FIRST FLOOR APARTMENT – NO ONWARD CHAIN Situated in the highly sought-after Westlands area, this well-presented one-bedroom first floor apartment offers an excellent opportunity for first-time buyers, downsizers, or investors alike. Ideally located within close proximity to Keele University, the Royal Stoke Hospital, and Newcastle town centre, the property benefits from both convenience and strong rental appeal. This apartment is set within a desirable residential development, offering a peaceful environment while remaining well-connected to local amenities, transport links, and key employment hubs. Investment Potential: The property currently achieves a rental income of £600.00 per month, making it an appealing option for buy-to-let investors. Additional Information: • Annual service charge: £220.94 (2025) • Ground rent: £10.00 per annum This is a fantastic opportunity to acquire a low-maintenance property in a prime location with strong rental demand and long-term appeal. Early viewing is highly recommended ## Property Photos - ![pbox-IMG.jpg](/listings/photos/173886893/115422) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115423) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115424) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115425) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115426) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115427) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115428) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115429) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115430) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115431) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115432) - pbox-IMG.jpg - ![pbox-IMG.jpg](/listings/photos/173886893/115433) - pbox-IMG.jpg ## Floorplans - ![pbox-FP.jpg](/listings/photos/173886893/115434) - pbox-FP.jpg ## EPC Graphs - ![EPC Rating Graph](/listings/photos/173886893/554170) - EPC Rating Graph ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | ELMHURST FLAT 5 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JS | £102,950 | 15/09/2006 | Flat | | ELMHURST FLAT 5 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JS | £78,000 | 05/03/2004 | Flat | | ELMHURST FLAT 5 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JS | £37,750 | 06/06/1997 | Flat | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | [Same street] ELMHURST FLAT 6 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JS | £100,000 | 03/08/2023 | Flat | | HARTWELL FLAT 1 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JU | £95,000 | 01/02/2022 | Flat | | FAIROAK FLAT 1 HARROWBY DRIVE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 3JR | £115,000 | 01/12/2021 | Flat | **Street average:** £100,000 (1 sale) **Area average:** £105,000 (2 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £91,379 (21 Flat, ST5, 2024–2026) - **Deviation:** +20.4% ## Rental Range *ONS Price Index of Private Rents (Newcastle-under-Lyme). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £743/mo - **Realistic:** £825/mo - **Optimistic:** £908/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Staffordshire North (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £424/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 | |------|------|------|------|------| | [Waveney Court, Waveney Grove, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/a460fec) | £845/mo | 1 | 0.56 miles | Rightmove | | [Gloucester Grange, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/70a01ce) | £650/mo | 1 | 0.89 miles | Rightmove | | [Gloucester Grange, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/94bc692) | £650/mo | 1 | 0.89 miles | Rightmove | | [Gloucester Grange, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/e4799a3) | £650/mo | 1 | 0.89 miles | Rightmove | | [9 Rothesay Court, Rothesay Av, Westlands, ST5 2LX](http://87.117.209.195:8080/listings/8dbfc26) | £210/mo | — | 1.06 miles | Rightmove | | [Lyme Court, Leech Street, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/97fa80f) | £711/mo | 1 | 1.36 miles | Rightmove | | [Occupation Street, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/f84092f) | £566/mo | 1 | 1.39 miles | Rightmove | | [Occupation Street, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/d00972b) | £541/mo | 1 | 1.42 miles | Rightmove | | [Occupation Street, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/3b051c9) | £566/mo | 1 | 1.42 miles | Rightmove | | [Grosvenor Road, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/91068cb) | £650/mo | 1 | 1.45 miles | Rightmove | | [High St, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/df9dcfd) | £600/mo | 1 | 1.52 miles | Rightmove | | [Marsh Box, Newcastle Under Lyme, ST5](http://87.117.209.195:8080/listings/0e30a15) | £850/mo | 1 | 1.7 miles | Rightmove | | [Marsh Box, 2 Marsh Parade, Newcastle under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/e685d2e) | £845/mo | 1 | 1.7 miles | Rightmove | | [Brunswick Mews, 9 Brunswick Street, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/aabde75) | £895/mo | 1 | 1.71 miles | Rightmove | | [Brunswick Court, Brunswick Street, Newcastle-Under-Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/24d680a) | £845/mo | 1 | 1.76 miles | Rightmove | | [Water Street, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/ab5b091) | £550/mo | 1 | 1.77 miles | Rightmove | | [West Brampton, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/38cac00) | £595/mo | 1 | 1.77 miles | Rightmove | | [7 Northcote Place, Stoke on trent](http://87.117.209.195:8080/listings/359d327) | £595/mo | 1 | 1.85 miles | Rightmove | | [Northcote House, 15 King Street, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/66d477b) | £875/mo | 1 | 1.86 miles | Rightmove | | [Ground Floor Shop, 113 High Street, Silverdale, ST6 6LX](http://87.117.209.195:8080/listings/d1263f1) | £450/mo | — | 2.06 miles | Rightmove | **Average rent: £631/mo (36 listings)** ## 1% Rule - **Rent ratio:** 0.59% (weak for cashflow) - **Max investor price (0.8%):** £81,250 - **Target investor price (1%):** £65,000 *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 £650/mo).* - **Gross yield:** 7.1% - **Cost-to-rent:** 14.1× - **Monthly cashflow:** £127/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 4.8% *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:** -8.2% - **10y growth:** 35.1% ## House Price Index (HM Land Registry) *Official index for Newcastle-under-Lyme; Flats and maisonettes series; as of March 2026.* - **1y growth (index):** -2.7% - **5y growth (index):** 6.6% - **10y growth (index):** 38% ## 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)