2 bedroom semi-detached, Church Lane, Cheltenham
Cheltenham, GL52 7AA
Added 21 Jul 2026
£1,290,000
Guide price
Bedrooms
2
Bathrooms
1
Size
869 sqft
Type
semi
Match
82%
- TenureFreehold
- Council taxBand D
- EPCC
- ParkingGarage
- GardenPrivate Rear Garden
About this home
Key features
- Double glazing
- En-suite
- Fibre broadband
- Fitted kitchen
- Gas central heating
- Rear garden
- Garage parking
- Private rear garden
- EPC rating C
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Property facts
- Tenure
- Freehold
- Council tax
- Band D
- Year built
- 2001
- Heating
- Gas Central Heating
- Parking
- Garage
- Garden
- Private Rear Garden
Energy performance
- A
- B
- CScore 78
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
869 sqft
≈ 81 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 2.2 mi
Victoria
Tram
- 2.4 mi
Junction Station
Overground
- 2.6 mi
Victoria Station
Tube
- 3 mi
Parkway
Tram
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.8 mi away
Birmingham New Street
41 mi away
London Kings Cross
86.9 mi away
Manchester Piccadilly
109.7 mi away
Leeds
133.2 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.4 mi
Supermarket
Co-op
- 🏋️0.5 mi
Gym
Anytime Fitness
- 🌳1.0 mi
Park
Riverside Gardens
- 🩺0.9 mi
GP surgery
St Andrew's Medical
- 🍽️0.3 mi
Restaurants
Village square
- ☕0.2 mi
Café
Blue Brew
Commute time
Estimate the journey from Cheltenham, GL52 7AA to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Good
- VodafoneIndoor: NoneOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL52 7AA.
Area average
£1,381,920
This home -7%
12m change
-1.8%
Sold prices
Avg £/sqft
£1025
This home £1484
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£6,619
Loan £1,161,000 · Deposit £129,000 (10%)
£2,023/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £824,719
- Total paid
- £1,985,719
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£72,750
Effective rate 5.64% on £1,290,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£376,500
Loan up to £247,500 + £129,000 deposit · capped by income (4.5× LTI)
This listing
£1,290,000
Short by £913,500 · needs income ~£258,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £6,056 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £258,000/yr income or £913,500 more deposit.
Monthly all-in
£7,239 /mo
£6,056 mortgage + £1,183 running · 158% of gross pay
Upfront cash
£206,934
£129,000 deposit + £72,750 SDLT + £5,184 fees
Lender check
Too big
Need £1,161,000 · max on income £247,500
- Loan needed (£1,161,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£7,239) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£206,934) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
87
/ 1k residents
Medium▼ 9.8% vs previous year
Broadband
568 Mbps
Up to 182 Mbps upload8 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Good |
| O2 | Limited | None | Good | Good |
| Three | Limited | Good | Limited | Good |
| Vodafone | Limited | Limited | Good | Good |
Planning applications
9within 250 m in the last 12 months
- Withdrawn
Change of use to residential
2025/2394/HH · 9 Oct 2025
- Refused
Two-storey side extension
2025/2000/HH · 13 Oct 2025
- Approved
Two-storey side extension
2026/4139/HH · 17 Jun 2026
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- D
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Sold prices
Based on public sale records for Cheltenham, GL52 7AA and comparable homes nearby.
Property history
Nov 2020
Sold
£883,000
+51.5% vs previous
Jul 2017
Sold
£583,000
Sold nearby
Avg £1,340,333
15 Ivy Road
Terraced · 3 bed · 0.21 mi · Apr 2026
£1,605,000
123 Elm Road
Terraced · 1 bed · 0.21 mi · Dec 2024
£1,019,000
86 Cedar Gardens
Flat · 2 bed · 0.41 mi · Sept 2024
£1,439,000
101 Ash Terrace
Flat · 2 bed · 0.43 mi · Jun 2026
£1,397,000
4 Rowan Gardens
Semi-detached · 1 bed · 0.51 mi · Oct 2024
£1,529,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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