Sold STC Terraced

73 CHURCH LANE

CHESTERFIELD, NORTH WINGFIELD, DERBYSHIRE S42 5HR

2 beds 1 baths 58 m² Listed 12 Aug 2025 (-344d)

£135,000

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# 2 bedroom terraced house for sale (S42 5HR)

## Property Details

| Key | Value |
|-----|-------|
| Address | 73 CHURCH LANE, CHESTERFIELD, NORTH WINGFIELD, DERBYSHIRE S42 5HR |
| Price | £135,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £134,000 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 26/09/2032
- **Current heating cost:** £520/year
- **Est. upgrade cost to C:** £24,900

### Recommendations
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- G (£350 - £450)
- 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/2737-3020-8201-9712-7200)

## Description

Sitting in a lovely elevated position offering outlooking countryside views, this well cared for home has parking to the rear and is sure to appeal to many first time buyers.

To the front of the property there are a few steps rising to the front garden space. This is mainly laid to lawn. There is a rear access road to private parking, garden space and a rear yard.

Step inside the property to a sitting room that has a double glazed door, a window to the front and a laminate floor covering. The next reception room could either be a dining room, snug or study  having a window to the rear, a laminate floor covering a doorway down to the cellar and another to the rear hall. The rear all gives access to the stairs rising to the first floor and also to the galley style kitchen. The kitchen is light and airy with a range of wall, base and drawer units in white and there is space for appliances. The ground floor bathroom has a modern three piece suite with a shower over the bath. On the first floor there are two well proportioned bedrooms with the front bedroom having outlooking views across countryside.

We love this home because it has been well cared for, is ready to move straight into and the location provides both a retreat from the hustle and bustle of daily life, yet also provides ease of access to local amenities.

Be sure to check out our 3D tour or contact New Oak Estates to book your viewing.

General Info

This Property Is Freehold

The EPC Rating Is D

The Local Authority Is North East Derbyshire - Band A - £1570pa

## Property Photos

- ![Photo](/listings/photos/165666272/1041528)
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## Floorplans

- ![Floorplan 1](/listings/photos/165666272/1041549) - Floorplan 1
- ![Floorplan 2](/listings/photos/165666272/1041550) - Floorplan 2

## EPC Graphs

- ![EPC 1](/listings/photos/165666272/1041551) - EPC 1
- ![EPC 3](/listings/photos/165666272/1041552) - EPC 3

## FENSA Certificates

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

### FENSA Certificate #1196853
- **Address:** 73 Church Lane, North Wingfield, S42 5HR
- **Certificate Issued:** 22/11/2003
- **Work Completed:** 04/10/2003
- **Items:** 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 73 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR | £134,000 | 04/02/2026 | 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 |
|---------|-------|------|------|
| [Same street] 87 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR | £122,000 | 14/12/2022 | Terraced |
| [Same street] 83 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR | £70,000 | 03/08/2022 | Terraced |
| [Same street] 63 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR | £220,000 | 27/05/2022 | Detached |

**Street average:** £137,333 (3 sales)

## Price vs local average

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

- **Local average:** £180,273 (22 Terraced, S42, 2024–2026)
- **Deviation:** -25.1%

## Rental Range

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

- **Low:** £697/mo
- **Realistic:** £774/mo
- **Optimistic:** £851/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £524/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 End Terrace, Blacks Lane, S42 | £750/mo | 2 | 0.63 miles | OpenRent |

**Average rent: £750/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.56% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 6.7%
- **Cost-to-rent:** 15×
- **Monthly cashflow:** £118/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3.6%

*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:** £2,328/m²

## Capital growth trend

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

- **5y growth:** 12.8%
- **10y growth:** 64.3%

## House Price Index (HM Land Registry)

*Official index for North East Derbyshire; Terraced series; as of April 2026.*

- **1y growth (index):** 6.1%
- **5y growth (index):** 22.1%
- **10y growth (index):** 55.9%

## 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

58 m²

Council tax band

EPC rating

Last sold

£134,000 Feb 2026

Price per m²

£2,328/m²

Local average

£180,273 (-25.1%)

Deprivation

Decile 9 (28,578 of 33,755)

Street crime

73 incidents within 1 mile (May 2026)

Key features

Delightful Cottage
Semi Rural Position
Driveway + Parking To Rear
No Onward Chain
Well Cared For Home
Ideal First Time Purchase

Additional details

Parking: Yes
Garden: Yes

Description

Sitting in a lovely elevated position offering outlooking countryside views, this well cared for home has parking to the rear and is sure to appeal to many first time buyers.

To the front of the property there are a few steps rising to the front garden space. This is mainly laid to lawn. There is a rear access road to private parking, garden space and a rear yard.

Step inside the property to a sitting room that has a double glazed door, a window to the front and a laminate floor covering. The next reception room could either be a dining room, snug or study having a window to the rear, a laminate floor covering a doorway down to the cellar and another to the rear hall. The rear all gives access to the stairs rising to the first floor and also to the galley style kitchen. The kitchen is light and airy with a range of wall, base and drawer units in white and there is space for appliances. The ground floor bathroom has a modern three piece suite with a shower over the bath. On the first floor there are two well proportioned bedrooms with the front bedroom having outlooking views across countryside.

We love this home because it has been well cared for, is ready to move straight into and the location provides both a retreat from the hustle and bustle of daily life, yet also provides ease of access to local amenities.

Be sure to check out our 3D tour or contact New Oak Estates to book your viewing.

General Info
This Property Is Freehold
The EPC Rating Is D
The Local Authority Is North East Derbyshire - Band A - £1570pa

Listed by

Clay Cross

New Oak Estates Ltd

Reference: 165666272

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 27/09/2022

Expiry date: 26/09/2032

Current heating cost: £520/year

Potential heating cost: £376/year

Est. upgrade cost to C: £24,900

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Cavity wall insulation (£500 - £1,500)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
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 2

EPC Graphs

EPC 1

EPC 3

FENSA Certificates

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

FENSA Certificate #1196853

Property Details

Street: 73 Church Lane

Town: North Wingfield

Postcode: S42 5HR

Installation Details

Items: 2 doors

Certificate Issued: 22/11/2003

Work Completed: 04/10/2003

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	04/02/2026 (5 months ago)	£134,000	—

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 87 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR	£122,000	14/12/2022	Terraced
Same street 83 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR	£70,000	03/08/2022	Terraced
Same street 63 CHURCH LANE, NORTH WINGFIELD, CHESTERFIELD, NORTH EAST DERBYSHIRE, DERBYSHIRE, S42 5HR	£220,000	27/05/2022	Detached

Street average: £137,333 (3 sales)

Capital growth trend

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

5y growth 12.8%

10y growth 64.3%

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

1y (index) 6.1%

5y (index) 22.1%

10y (index) 55.9%

Rental Range

Estimated market rent for North East Derbyshire. Low = conservative, Realistic = average, Optimistic = best case.

Low £697/mo

Realistic £774/mo

Optimistic £851/mo

Based on Local Authority from postcode lookup → North East Derbyshire.

LHA (30th percentile) floor for Chesterfield: £524/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View S42 5HR

Nearby

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

Type	Name	Distance
Bus stop	Wensley Road	0.0 miles
Bus stop	Unknown	0.1 miles
Shop	Far East Kitchen Solutions	0.4 miles
Shop	Stone and Slate Gallery	0.4 miles
Train station	Chesterfield	4.7 miles
Train station	Alfreton	5.1 miles
University	Nottingham Trent University Vision University Centre	9.0 miles
Hospital	Forest Independent Hospital	9.5 miles
Hospital	Clipstone Health Centre	10.5 miles
University	Cliff College	11.6 miles

Street-level crime

Category	Count
Violence and sexual offences	33
Public order	11
Anti-social behaviour	7
Shoplifting	6
Criminal damage and arson	5
Other theft	5
Drugs	2
Vehicle crime	2
Bicycle theft	1
Other crime	1
Total incidents	73

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
Park House Primary School	Primary	0.6 miles	Good — 20 Oct 2014
Sharley Park Community Primary School	Primary	0.8 miles	Good — 2 Jan 2018
North Wingfield Primary and Nursery Academy	Primary	1.0 miles	Good — 16 Jul 2024
Tupton Hall School	Secondary	1.0 miles	Good — 19 Jan 2023
Tupton Primary and Nursery Academy	Primary	1.5 miles	Good — 30 Nov 2023

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 End Terrace, Blacks Lane, S42	£750/mo	2	0.63 miles	OpenRent

Average rent: £750/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.56%

Max investor price (0.8%) £93,750

Target investor price (1%) £75,000

Gross yield 6.7%

Cost-to-rent ratio 15×

Monthly cashflow £118/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 3.6%

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).