Sold STC Flat

48 ST STEPHENS PLACE

CAMBRIDGE, CAMBRIDGESHIRE CB3 0JE

2 beds 1 baths Listed 6 Mar 2020 (-2279d)

£300,000

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# 2 bedroom flat for sale (CB3 0JE)

## Property Details

| Key | Value |
|-----|-------|
| Address | 48 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE CB3 0JE |
| Price | £300,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £310,000 Sep 2020 |

## Description

A spacious and bright two bedroom apartment situated on a popular development off Huntingdon Road, so convenient for Cambridge City Centre and the University.

The apartment is located on the 2nd floor of the development. Entering through the front door there is a spacious hallway with space for hanging coats and shoes. On the left hand side is a family bathroom, complete with a white three piece suite with a shower above the bath. On the right hand side there are the two double-sized bedrooms. The kitchen off the hallway is seperate to the reception, with an array of fitted base and eye-level units. At the end of the corridor is the double length reception room, with bay windows at both ends offering plenty of light and space.

Outside of the property there are communal gardens and allocated parking for residents.

## Property Photos

- ![Picture No.03](/listings/photos/77992567/196450) - Picture No.03
- ![Picture No.04](/listings/photos/77992567/196451) - Picture No.04
- ![Picture No.05](/listings/photos/77992567/196453) - Picture No.05
- ![Picture No.06](/listings/photos/77992567/196456) - Picture No.06
- ![Picture No.07](/listings/photos/77992567/196458) - Picture No.07
- ![Picture No.08](/listings/photos/77992567/196459) - Picture No.08
- ![Picture No.09](/listings/photos/77992567/196461) - Picture No.09
- ![Picture No.10](/listings/photos/77992567/196462) - Picture No.10
- ![Picture No.11](/listings/photos/77992567/196463) - Picture No.11
- ![Picture No.12](/listings/photos/77992567/196464) - Picture No.12
- ![Picture No.13](/listings/photos/77992567/196465) - Picture No.13
- ![Picture No.14](/listings/photos/77992567/196466) - Picture No.14
- ![Picture No.15](/listings/photos/77992567/196467) - Picture No.15
- ![Picture No.16](/listings/photos/77992567/196468) - Picture No.16

## Floorplans

- ![Floorplan](/listings/photos/77992567/196469) - Floorplan

## EPC Graphs

- ![Energy Certificate](/listings/photos/77992567/196470) - Energy Certificate
- ![EPC](/listings/photos/77992567/196471) - EPC

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #8606117
- **Address:** 48 St. Stephens Place, CAMBRIDGE, CB3 0JE
- **Certificate Issued:** 16/01/2012
- **Work Completed:** 15/12/2011
- **Items:** 5 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 48 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE | £310,000 | 18/09/2020 | 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 |
|---------|-------|------|------|
| CRANWELL COURT 1 HISTON ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3HD | £230,000 | 18/10/2023 | Flat |
| 4 AUSTRALIA COURT, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JA | £347,000 | 29/09/2023 | Flat |
| 50 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE | £565,000 | 05/07/2023 | Flat |
| 56 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE | £320,000 | 17/02/2023 | Flat |
| 60 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE | £345,000 | 02/02/2023 | Flat |
| 54 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE | £340,000 | 01/02/2023 | Flat |
| CHAMBERLIN COURT FLAT 8 WESTFIELD LANE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3QX | £205,000 | 25/02/2022 | Flat |
| CHAMBERLIN COURT FLAT 21 WESTFIELD LANE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3QX | £275,000 | 24/09/2021 | Flat |

**Area average:** £328,375 (8 sales)

## Price vs local average

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

- **Local average:** £437,857 (7 Flat, CB3, 2024–2026)
- **Deviation:** -31.5%

## Rental Range

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

- **Low:** £1,620/mo
- **Realistic:** £1,800/mo
- **Optimistic:** £1,980/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £947/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 Flat, Victoria Road, CB4 | £2,000/mo | 2 | 0.48 miles | OpenRent |

**Average rent: £2,000/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **Max investor price (0.8%):** £250,000
- **Target investor price (1%):** £200,000

*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 £2,000/mo).*

- **Gross yield:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £594/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.2%

*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:** 26.8%
- **10y growth:** 45.1%

## House Price Index (HM Land Registry)

*Official index for Cambridge; Flats and maisonettes series; as of February 2026.*

- **1y growth (index):** -3.9%
- **5y growth (index):** -1.8%
- **10y growth (index):** -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

Tenure

LEASEHOLD

Last sold

£310,000 Sep 2020

Local average

£437,857 (-31.5%)

Street crime

335 incidents within 1 mile (Mar 2026)

Key features

Two bedrooms
Large reception room
Kitchen
Bathroom
Off-street parking
No onwards chain

Additional details

Parking: Yes

Description

A spacious and bright two bedroom apartment situated on a popular development off Huntingdon Road, so convenient for Cambridge City Centre and the University.

The apartment is located on the 2nd floor of the development. Entering through the front door there is a spacious hallway with space for hanging coats and shoes. On the left hand side is a family bathroom, complete with a white three piece suite with a shower above the bath. On the right hand side there are the two double-sized bedrooms. The kitchen off the hallway is seperate to the reception, with an array of fitted base and eye-level units. At the end of the corridor is the double length reception room, with bay windows at both ends offering plenty of light and space.

Outside of the property there are communal gardens and allocated parking for residents.

Listed by

Cambridge

Countrywide UK Sales - Connells

Reference: 77992567

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

Energy Certificate

EPC

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8606117

Property Details

Street: 48 St. Stephens Place

Town: CAMBRIDGE

Postcode: CB3 0JE

Installation Details

Items: 5 windows

Certificate Issued: 16/01/2012

Work Completed: 15/12/2011

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	18/09/2020 (5 years ago)	£310,000	—

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
CRANWELL COURT 1 HISTON ROAD, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3HD	£230,000	18/10/2023	Flat
4 AUSTRALIA COURT, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JA	£347,000	29/09/2023	Flat
50 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE	£565,000	05/07/2023	Flat
56 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE	£320,000	17/02/2023	Flat
60 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE	£345,000	02/02/2023	Flat
54 ST STEPHENS PLACE, CAMBRIDGE, CAMBRIDGESHIRE, CB3 0JE	£340,000	01/02/2023	Flat
CHAMBERLIN COURT FLAT 8 WESTFIELD LANE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3QX	£205,000	25/02/2022	Flat
CHAMBERLIN COURT FLAT 21 WESTFIELD LANE, CAMBRIDGE, CAMBRIDGESHIRE, CB4 3QX	£275,000	24/09/2021	Flat

Area average: £328,375 (8 sales)

Capital growth trend

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

5y growth 26.8%

10y growth 45.1%

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

1y (index) -3.9%

5y (index) -1.8%

10y (index) -3%

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

Map view View on Google Maps View on OpenStreetMap Street View CB3 0JE

Nearby

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

Type	Name	Distance
Bus stop	Fitzwilliam College	0.1 miles
Shop	Biddys Pre-Loved Auction	0.1 miles
University	Fitzwilliam College (University of Cambridge)	0.1 miles
University	Wychfield (Trinity Hall)	0.2 miles
Shop	Headlines Haircutters	0.2 miles
Hospital	Urgent Care Cambridge	1.3 miles
Hospital	Cambridge Lea Hospital (Spire)	2.0 miles
Train station	Cambridge	2.0 miles
Train station	Cambridge North	2.3 miles

Street-level crime

Category	Count
Violence and sexual offences	100
Anti-social behaviour	42
Shoplifting	39
Other theft	30
Vehicle crime	25
Bicycle theft	23
Criminal damage and arson	21
Theft from the person	14
Public order	11
Burglary	9
Other crime	9
Drugs	7
Possession of weapons	3
Robbery	2
Total incidents	335

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
St Luke's CofE Primary School	Primary	0.3 miles	Requires improvement — 17 Jul 2023
Mayfield Primary School	Primary	0.4 miles	Good — 24 May 2017
St John's College School	Other	0.5 miles	— (No rating)
Chesterton Community College	Secondary	0.6 miles	Outstanding — 18 Sep 2017
University of Cambridge Primary School	Primary	0.6 miles	Outstanding — 7 Sep 2018

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, Victoria Road, CB4	£2,000/mo	2	0.48 miles	OpenRent

Average rent: £2,000/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £250,000

Target investor price (1%) £200,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £594/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.2%

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).