1 bedroom flat, Oak Avenue, Cheltenham
Cheltenham, GL51 6LP
Added 21 Jul 2026
£885,000
Guide price
Bedrooms
1
Bathrooms
1
Size
707 sqft
Type
flat
Match
96%
- TenureLeasehold
- Council taxBand F
- EPCE
- ParkingGarage
- GardenPrivate Rear Garden
About this home
Key features
- Double glazing
- Fibre broadband
- Fitted kitchen
- Recently redecorated
- Video entry
- Well-managed block
- Garage parking
- Private rear garden
- EPC rating E
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.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£5,944/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand F£Service charge
KnownReported by agent£Ground rent
KnownReported by agent£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Leasehold
- Council tax
- Band F
- Year built
- 1921
- Heating
- Underfloor + Gas
- Parking
- Garage
- Garden
- Private Rear Garden
Energy performance
- A
- B
- C
- D
- EScore 51
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
707 sqft
≈ 66 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- 0.6 mi
Victoria Station
Rail
- 1.1 mi
Bridge Road Station
Tram
- 2 mi
Parkway
Rail
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.5 mi away
Birmingham New Street
40.7 mi away
London Kings Cross
88.2 mi away
Manchester Piccadilly
109.1 mi away
Leeds
132.9 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.2 mi
Supermarket
Tesco Express
- 🏋️0.7 mi
Gym
Fitness First
- 🌳0.4 mi
Park
Victoria Park
- 🩺0.4 mi
GP surgery
Parkside Surgery
- 🍽️0.4 mi
Restaurants
Village square
- ☕0.9 mi
Café
Blue Brew
Commute time
Estimate the journey from Cheltenham, GL51 6LP 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: LimitedOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Limited
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL51 6LP.
Area average
£899,101
This home -2%
12m change
+3%
Sold prices
Avg £/sqft
£889
This home £1252
Buyer demand
Cooling
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Leasehold · estimated running costs (all editable).
Total monthly cost
£5,645 /mo
£67,740 per year — indicative estimate.
- Mortgage£4,541/mo10% deposit · 4.75% · 25 yr80%
- Council tax (Band F)£271/moIndicative England average5%
- Service charge£257/moFrom listing5%
- Ground rent£7/moFrom listing0%
- Maintenance & repairs£369/mo~0.50% of value / yr7%
- Utilities (energy + water)£200/moOfgem typical dual-fuel4%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£4,541
Loan £796,500 · Deposit £88,500 (10%)
£1,388/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £565,795
- Total paid
- £1,362,295
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
£34,250
Effective rate 3.87% on £885,000
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
£336,500
Loan up to £247,500 + £89,000 deposit · capped by income (4.5× LTI)
This listing
£885,000
Short by £548,500 · needs income ~£176,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £4,152 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.1%
Affordability summary
StretchYou'd need about £176,889/yr income or £548,500 more deposit.
Monthly all-in
£4,963 /mo
£4,152 mortgage + £811 running · 108% of gross pay
Upfront cash
£127,622
£89,000 deposit + £34,250 SDLT + £4,372 fees
Lender check
Too big
Need £796,000 · max on income £247,500
- Loan needed (£796,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£4,963) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£127,622) 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.
Tenure & lease
Tenure
leasehold
Lease remaining
621 years
Service charge
£3,083 / year
Ground rent
£87 / year
Investment potential
Would this stack up as a buy-to-let?
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Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.69%
Net yield
-2.64%
Monthly cashflow
£-1,943
ROI on cash
-7.7%
Sensitivity
Rent −10%
£-2,042/mo · -2.77%
Rent +10%
£-1,845/mo · -2.50%
Rate +1%
£-2,496/mo · -3.39%
Rate −1%
£-1,390/mo · -1.89%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
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)
72
/ 1k residents
Low▼ 4% vs previous year
Broadband
108 Mbps
Up to 34 Mbps upload9 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Limited | Good |
| O2 | Limited | Good | Good | Good |
| Three | Good | Good | Good | Limited |
| Vodafone | None | Good | Good | Good |
Planning applications
10within 250 m in the last 12 months
- Withdrawn
Replacement windows (conservation)
2025/6181/HH · 29 Sept 2025
- Approved
Demolition of garage and new dwelling
2025/7805/HH · 4 Dec 2025
- Pending
Replacement windows (conservation)
2025/3878/HH · 23 Sept 2025
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
- leasehold
- Council tax band
- F
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Cheltenham, GL51 6LP and comparable homes nearby.
Property history
Jun 2018
Sold
£633,000
+24.9% vs previous
Jun 2019
Sold
£507,000
Sold nearby
Avg £796,833
80 Rowan Road
Flat · 2 bed · 0.16 mi · Feb 2025
£902,000
147 Ivy Lane
Semi-detached · 1 bed · 0.19 mi · Dec 2024
£682,000
177 Poplar Mews
Detached · 1 bed · 0.26 mi · Mar 2026
£696,000
16 Laurel Lane
Terraced · 1 bed · 0.43 mi · Jan 2025
£799,000
102 Ash Avenue
Detached · 1 bed · 0.5 mi · Feb 2025
£836,000
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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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