3 bedroom terraced house, Elm Grove, Oxford
Oxford, OX1 5TX
Added 21 Jul 2026
£850,000
Guide price
Bedrooms
3
Bathrooms
2
Size
1,246 sqft
Type
terrace
Match
93%
- TenureFreehold
- Council taxBand E
- EPCB
- ChainChain-free
- ParkingNone
- GardenCommunal Garden
About this home
Key features
- Cast-iron radiators
- Fitted kitchen
- Modern bathroom
- Period features
- Rear garden
- Wooden floors
- None parking
- Communal garden
- Chain free
- EPC rating B
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.
£5,425/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand E£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band E
- Year built
- 2017
- Heating
- Air Source Heat Pump
- Parking
- None
- Garden
- Communal Garden
- Chain
- Chain-free
Energy performance
- A
- BScore 80
- C
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,246 sqft
≈ 116 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- 1.4 mi
High Street
Tube
- 2.6 mi
Central
Rail
- 2.8 mi
Junction Station
Rail
- 3.1 mi
Riverside Station
Tram
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
51.6 mi away
Birmingham New Street
56.5 mi away
Bristol Temple Meads
60.1 mi away
Manchester Piccadilly
125.5 mi away
Leeds
141.4 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.6 mi
Supermarket
Waitrose
- 🏋️0.5 mi
Gym
Fitness First
- 🌳0.6 mi
Park
The Meadows
- 🩺0.7 mi
GP surgery
St Andrew's Medical
- 🍽️0.7 mi
Restaurants
Local high street
- ☕0.2 mi
Café
Kaffeine
Commute time
Estimate the journey from Oxford, OX1 5TX 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: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Oxford, OX1 5TX.
Area average
£884,907
This home -4%
12m change
+1.8%
Sold prices
Avg £/sqft
£1017
This home £682
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£5,584 /mo
£67,003 per year — indicative estimate.
- Mortgage£4,361/mo10% deposit · 4.75% · 25 yr78%
- Council tax (Band E)£229/moIndicative England average4%
- Buildings insurance£85/mo~0.12% of value / yr2%
- Maintenance & repairs£708/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel4%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£4,361
Loan £765,000 · Deposit £85,000 (10%)
£1,333/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £543,419
- Total paid
- £1,308,419
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
£32,500
Effective rate 3.82% on £850,000
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
£332,500
Loan up to £247,500 + £85,000 deposit · capped by income (4.5× LTI)
This listing
£850,000
Short by £517,500 · needs income ~£170,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £3,991 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £170,000/yr income or £517,500 more deposit.
Monthly all-in
£4,770 /mo
£3,991 mortgage + £779 running · 104% of gross pay
Upfront cash
£121,819
£85,000 deposit + £32,500 SDLT + £4,319 fees
Lender check
Too big
Need £765,000 · max on income £247,500
- Loan needed (£765,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£4,770) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£121,819) 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.
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Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.76%
Net yield
-2.58%
Monthly cashflow
£-1,828
ROI on cash
-7.6%
Sensitivity
Rent −10%
£-1,927/mo · -2.72%
Rent +10%
£-1,730/mo · -2.44%
Rate +1%
£-2,360/mo · -3.33%
Rate −1%
£-1,297/mo · -1.83%
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)
58
/ 1k residents
Low▼ 8.7% vs previous year
Broadband
565 Mbps
Up to 157 Mbps upload11 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | None | Good | Good | Good |
| O2 | Good | Limited | Good | Good |
| Three | Limited | Good | Limited | Limited |
| Vodafone | Limited | Good | Good | Good |
Planning applications
3within 250 m in the last 12 months
- Pending
Outbuilding for home office
2025/1777/HH · 17 Nov 2025
- Refused
Change of use to residential
2025/7620/HH · 19 Sept 2025
- Refused
Loft conversion with rear dormer
2025/8142/HH · 26 Nov 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
- freehold
- Council tax band
- E
- 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 Oxford, OX1 5TX and comparable homes nearby.
Property history
Aug 2020
Sold
£684,000
+32.3% vs previous
Aug 2017
Sold
£517,000
Sold nearby
Avg £816,167
42 Laurel Terrace
Semi-detached · 3 bed · 0.16 mi · Sept 2025
£986,000
68 Beech Avenue
Terraced · 4 bed · 0.21 mi · Sept 2024
£714,000
84 Rowan Lane
Terraced · 4 bed · 0.26 mi · Nov 2025
£787,000
135 Poplar Lane
Detached · 3 bed · 0.31 mi · Aug 2025
£729,000
20 Laurel Avenue
Flat · 4 bed · 0.47 mi · Mar 2025
£683,000
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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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