Sold STC Terraced

40 DUDLEY STREET

BEDFORD, BEDFORD MK40 3TB

3 beds 2 baths 1,130 sq ft Listed 10 May 2018 (-2952d)

£350,000

Guide Price

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# 3 bedroom terraced house for sale (MK40 3TB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 40 DUDLEY STREET, BEDFORD, BEDFORD MK40 3TB |
| Price | £350,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Construction age | England and Wales: 1930-1949 |
| Floor area | 105 m² |
| Last sold | £353,000 Jul 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Current heating cost:** £950/year
- **Est. upgrade cost to C:** £20,930

### Recommendations
- Q (£4,000 - £14,000)
- E (£30)
- G (£350 - £450)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0551-2882-7731-9908-1721)

## Description

The perfect 3 bedroom extended family home in the popular Castle Quarter area of Bedford.

The current owners have maximised the properties full potential by extending to both the rear and into the loft. Downstairs the property has a large lounge which leads to the heart of the home, the extended Kitchen. The perfectly designed rear extension invites people to convene in this area due to its space and natural light. The island, breakfast bar, dining table and sofa area can all be used to entertain or as a family area.

Large Bi-fold doors lead to a courtyard garden which is gated and secured.

The loft conversion is an excellent example of how these type of properties can be maximised as this has also had an En Suite bathroom fitted.

In summary the property offers:

Entrance Hall

Lounge

Large Storage Cupboards

Large Kitchen/Breakfast/Dining Room

3 Bedrooms

Ensuite

Family Bathroom

Front and Rear Gardens

The property is located on Dudley street which leads to Bedford's famous Embankment and Russell Park. Bedford Town Centre and Train Station are also within walking distance.

Castle Quarter is renowned for its amenities due to its popularity, these include Pubs, Restaurants, specialist food stores, cafes, laundrette, Butchers and convenience stores.

This is a fine example of Castle Quarter living and we look forward to showing you around this fantastic home.

CHECK OUT THE 3D VIRTUAL TOUR OF THIS PROPERTY VIA THE VIRTUAL TOUR TAB (desktop) OR SELECT THE FOLLOWING LINK -

## Property Photos

- ![Front Aspect](/listings/photos/73107272/427077) - Front Aspect
- ![Kitchen/Diner/...](/listings/photos/73107272/427080) - Kitchen/Diner/...
- ![Lounge](/listings/photos/73107272/427081) - Lounge
- ![Lounge](/listings/photos/73107272/427082) - Lounge
- ![Log Burner](/listings/photos/73107272/427083) - Log Burner
- ![Kitchen/Breakf...](/listings/photos/73107272/427085) - Kitchen/Breakf...
- ![Kitchen](/listings/photos/73107272/427086) - Kitchen
- ![Kitchen/Diner](/listings/photos/73107272/427088) - Kitchen/Diner
- ![Dining Area](/listings/photos/73107272/427089) - Dining Area
- ![Kitchen/Diner](/listings/photos/73107272/427090) - Kitchen/Diner
- ![Master Bedroom](/listings/photos/73107272/427092) - Master Bedroom
- ![Master Bedroom](/listings/photos/73107272/427094) - Master Bedroom
- ![Bedroom](/listings/photos/73107272/427095) - Bedroom
- ![Bedroom](/listings/photos/73107272/427096) - Bedroom
- ![Bedroom](/listings/photos/73107272/427097) - Bedroom
- ![Bedroom](/listings/photos/73107272/427098) - Bedroom
- ![Family Bathroom](/listings/photos/73107272/427101) - Family Bathroom
- ![Family Bathroom](/listings/photos/73107272/427102) - Family Bathroom
- ![Family Bathroom](/listings/photos/73107272/427103) - Family Bathroom
- ![Rear Garden](/listings/photos/73107272/427104) - Rear Garden

## Floorplans

- ![Floorplan 1](/listings/photos/73107272/427106) - Floorplan 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 40 DUDLEY STREET, BEDFORD, MK40 3TB | £353,000 | 20/07/2018 | 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 |
|---------|-------|------|------|
| 62 DENMARK STREET, BEDFORD, MK40 3TH | £360,000 | 09/01/2026 | Terraced |
| 16 HOWBURY STREET, BEDFORD, MK40 3QU | £360,000 | 16/12/2025 | Terraced |
| 31 BOWER STREET, BEDFORD, MK40 3RD | £440,000 | 16/12/2025 | Terraced |
| 161 CASTLE ROAD, BEDFORD, MK40 3RT | £400,000 | 12/12/2025 | Terraced |
| 46 GEORGE STREET, BEDFORD, MK40 3SG | £312,500 | 21/11/2025 | Terraced |
| 7 YORK STREET, BEDFORD, MK40 3RJ | £385,000 | 18/11/2025 | Terraced |
| 13 DUDLEY STREET, BEDFORD, MK40 3TA | £325,000 | 28/08/2025 | Terraced |
| 35 DUDLEY STREET, BEDFORD, MK40 3TA | £317,750 | 20/10/2023 | Terraced |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £352,000 | 31/08/2023 | Terraced |
| 2 HOWBURY STREET, BEDFORD, MK40 3QU | £378,000 | 09/05/2023 | Terraced |
| [Same street] 52 DUDLEY STREET, BEDFORD, MK40 3TB | £312,000 | 20/04/2023 | Terraced |
| 22 BOWER STREET, BEDFORD, MK40 3RE | £346,000 | 06/04/2023 | Terraced |
| 61 GEORGE STREET, BEDFORD, MK40 3SQ | £401,000 | 04/04/2023 | Terraced |
| 105 BOWER STREET, BEDFORD, MK40 3RB | £250,000 | 31/03/2023 | Terraced |
| 61B DENMARK STREET, BEDFORD, MK40 3TG | £170,000 | 31/03/2023 | Terraced |
| 107 BOWER STREET, BEDFORD, MK40 3RB | £250,000 | 22/12/2022 | Terraced |
| 42 GEORGE STREET, BEDFORD, MK40 3SG | £245,000 | 28/11/2022 | Terraced |
| 11 PEMBROKE STREET, BEDFORD, MK40 3RH | £330,000 | 15/11/2022 | Terraced |
| 43 YORK STREET, BEDFORD, MK40 3RJ | £350,500 | 14/11/2022 | Terraced |
| 69 DENMARK STREET, BEDFORD, MK40 3TH | £362,000 | 04/11/2022 | Terraced |
| 68 DUDLEY STREET, BEDFORD, MK40 3SZ | £290,000 | 03/11/2022 | Terraced |
| [Same street] 64 DUDLEY STREET, BEDFORD, MK40 3TB | £620,000 | 28/10/2022 | Semi-detached |
| 27 DENMARK STREET, BEDFORD, MK40 3TG | £325,000 | 28/10/2022 | Terraced |
| [Same street] 58 DUDLEY STREET, BEDFORD, MK40 3TB | £345,000 | 08/04/2022 | Terraced |

**Street average:** £407,250 (4 sales)
**Area average:** £329,888 (20 sales)

## Price vs local average

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

- **Local average:** £333,213 (21 Terraced, MK40, 2024–2026)
- **Deviation:** +5%

## Rental Range

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

- **Low:** £1,049/mo
- **Realistic:** £1,166/mo
- **Optimistic:** £1,283/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £997/mo

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £145,750
- **Target investor price (1%):** £116,600

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £3,333/m²

## Capital growth trend

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

- **5y growth:** 28.5%
- **10y growth:** 25%

## House Price Index (HM Land Registry)

*Official index for Bedford; Terraced series; as of March 2026.*

- **1y growth (index):** 6%
- **5y growth (index):** 22.5%
- **10y growth (index):** 50.1%

## 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)

Front Aspect Kitchen/Diner/... Lounge Lounge Log Burner Kitchen/Breakf... Kitchen Kitchen/Diner Dining Area Kitchen/Diner Master Bedroom Master Bedroom Bedroom Bedroom Bedroom Bedroom Family Bathroom Family Bathroom Family Bathroom Rear Garden

/ 20

Property details

Floor area

105 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£353,000 Jul 2018

Price per m²

£3,333/m²

Local average

£333,213 (+5%)

Deprivation

Decile 7 (20,542 of 33,755)

Street crime

542 incidents within 1 mile (Apr 2026)

Key features

Extended
Loft Conversion
En Suite
Large lounge
Bi Fold Doors
Castle Quarter Location
Close to local amenities
Close proximity to Bedford Town Centre
3D Virtual Tour Available -

Additional details

Garden: Yes

Description

The perfect 3 bedroom extended family home in the popular Castle Quarter area of Bedford.

The current owners have maximised the properties full potential by extending to both the rear and into the loft. Downstairs the property has a large lounge which leads to the heart of the home, the extended Kitchen. The perfectly designed rear extension invites people to convene in this area due to its space and natural light. The island, breakfast bar, dining table and sofa area can all be used to entertain or as a family area.

Large Bi-fold doors lead to a courtyard garden which is gated and secured.

The loft conversion is an excellent example of how these type of properties can be maximised as this has also had an En Suite bathroom fitted.

In summary the property offers:
Entrance Hall
Lounge
Large Storage Cupboards
Large Kitchen/Breakfast/Dining Room
3 Bedrooms
Ensuite
Family Bathroom
Front and Rear Gardens

The property is located on Dudley street which leads to Bedford's famous Embankment and Russell Park. Bedford Town Centre and Train Station are also within walking distance.

Castle Quarter is renowned for its amenities due to its popularity, these include Pubs, Restaurants, specialist food stores, cafes, laundrette, Butchers and convenience stores.

This is a fine example of Castle Quarter living and we look forward to showing you around this fantastic home.

CHECK OUT THE 3D VIRTUAL TOUR OF THIS PROPERTY VIA THE VIRTUAL TOUR TAB (desktop) OR SELECT THE FOLLOWING LINK -

Listed by

Bedford

Fry Estate Agents

Reference: 73107272

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 02/07/2018

Current heating cost: £950/year

Potential heating cost: £816/year

Est. upgrade cost to C: £20,930

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

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Low energy lighting for all fixed outlets (£30)
Upgrade heating controls (£350 - £450)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

Price history

Event	Date	Price	% change
Sold	20/07/2018 (7 years ago)	£353,000	—

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
62 DENMARK STREET, BEDFORD, MK40 3TH	£360,000	09/01/2026	Terraced
16 HOWBURY STREET, BEDFORD, MK40 3QU	£360,000	16/12/2025	Terraced
31 BOWER STREET, BEDFORD, MK40 3RD	£440,000	16/12/2025	Terraced
161 CASTLE ROAD, BEDFORD, MK40 3RT	£400,000	12/12/2025	Terraced
46 GEORGE STREET, BEDFORD, MK40 3SG	£312,500	21/11/2025	Terraced
7 YORK STREET, BEDFORD, MK40 3RJ	£385,000	18/11/2025	Terraced
13 DUDLEY STREET, BEDFORD, MK40 3TA	£325,000	28/08/2025	Terraced
35 DUDLEY STREET, BEDFORD, MK40 3TA	£317,750	20/10/2023	Terraced
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£352,000	31/08/2023	Terraced
2 HOWBURY STREET, BEDFORD, MK40 3QU	£378,000	09/05/2023	Terraced
Same street 52 DUDLEY STREET, BEDFORD, MK40 3TB	£312,000	20/04/2023	Terraced
22 BOWER STREET, BEDFORD, MK40 3RE	£346,000	06/04/2023	Terraced
61 GEORGE STREET, BEDFORD, MK40 3SQ	£401,000	04/04/2023	Terraced
105 BOWER STREET, BEDFORD, MK40 3RB	£250,000	31/03/2023	Terraced
61B DENMARK STREET, BEDFORD, MK40 3TG	£170,000	31/03/2023	Terraced
107 BOWER STREET, BEDFORD, MK40 3RB	£250,000	22/12/2022	Terraced
42 GEORGE STREET, BEDFORD, MK40 3SG	£245,000	28/11/2022	Terraced
11 PEMBROKE STREET, BEDFORD, MK40 3RH	£330,000	15/11/2022	Terraced
43 YORK STREET, BEDFORD, MK40 3RJ	£350,500	14/11/2022	Terraced
69 DENMARK STREET, BEDFORD, MK40 3TH	£362,000	04/11/2022	Terraced
68 DUDLEY STREET, BEDFORD, MK40 3SZ	£290,000	03/11/2022	Terraced
Same street 64 DUDLEY STREET, BEDFORD, MK40 3TB	£620,000	28/10/2022	Semi-detached
27 DENMARK STREET, BEDFORD, MK40 3TG	£325,000	28/10/2022	Terraced
Same street 58 DUDLEY STREET, BEDFORD, MK40 3TB	£345,000	08/04/2022	Terraced

Street average: £407,250 (4 sales)

Area average: £329,888 (20 sales)

Capital growth trend

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

5y growth 28.5%

10y growth 25%

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

1y (index) 6%

5y (index) 22.5%

10y (index) 50.1%

Rental Range

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

Low £1,049/mo

Realistic £1,166/mo

Optimistic £1,283/mo

Based on Local Authority from postcode lookup → Bedford.

LHA (30th percentile) floor for Bedford: £997/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View MK40 3TB

Nearby

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

Type	Name	Distance
Shop	Serendipity	0.1 miles
Shop	P&T Convenience Store	0.1 miles
Bus stop	Dudley Street	0.1 miles
Hospital	Bedford Health Village	0.5 miles
University	University of Bedfordshire Polhill Campus	0.5 miles
Train station	Bedford St Johns	0.9 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	1.1 miles
Train station	Bedford	1.3 miles
University	Cranfield University	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	163
Shoplifting	110
Anti-social behaviour	82
Public order	36
Other theft	24
Drugs	20
Vehicle crime	20
Criminal damage and arson	18
Burglary	17
Robbery	16
Bicycle theft	14
Other crime	11
Possession of weapons	6
Theft from the person	5
Total incidents	542

Within 1 mile during Apr 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
Castle Newnham School	Primary	0.3 miles	Outstanding — 17 Oct 2013
Bedford Girls' School	Other	0.5 miles	— (No rating)
KWS School	Other	0.6 miles	Good — 17 Jul 2023
St John Rigby Catholic Primary School	Primary	0.6 miles	Good — 8 Nov 2023
Goldington Academy	Secondary	0.6 miles	Good — 17 Mar 2022

Rental Comparables

Rental listings exist nearby, but none matched the 3-bedroom count for this property.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.33%

Max investor price (0.8%) £145,750

Target investor price (1%) £116,600

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).