2 bedroom cottage, Elm Grove, Oxford
Oxford, OX2 7TX
Added 21 Jul 2026
£1,000,000
Guide price
Bedrooms
2
Bathrooms
2
Size
1,057 sqft
Type
cottage
Match
90%
- TenureFreehold
- Council taxBand G
- EPCB
- ParkingDriveway
- GardenCourtyard
About this home
Key features
- Cottage garden
- Country kitchen
- Exposed beams
- Original fireplace
- Slate roof
- Village setting
- Driveway parking
- Courtyard
- 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.
£6,423/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand G£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band G
- Year built
- 1998
- Heating
- Air Source Heat Pump
- Parking
- Driveway
- Garden
- Courtyard
Energy performance
- A
- BScore 84
- 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
1,057 sqft
≈ 98 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- 1.5 mi
Central
Tram
- 2.1 mi
Riverside
Tube
- 2.8 mi
Junction
Rail
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
50.5 mi away
Birmingham New Street
57.9 mi away
Bristol Temple Meads
60.5 mi away
Manchester Piccadilly
126.9 mi away
Leeds
142.6 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.2 mi
Supermarket
Co-op
- 🏋️0.8 mi
Gym
Anytime Fitness
- 🌳0.5 mi
Park
Highfield Common
- 🩺0.2 mi
GP surgery
Parkside Surgery
- 🍽️0.4 mi
Restaurants
Riverside cafés
- ☕0.6 mi
Café
The Roastery
Commute time
Estimate the journey from Oxford, OX2 7TX 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: LimitedOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Oxford, OX2 7TX.
Area average
£1,087,090
This home -8%
12m change
+4.6%
Sold prices
Avg £/sqft
£608
This home £946
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
£6,577 /mo
£78,919 per year — indicative estimate.
- Mortgage£5,131/mo10% deposit · 4.75% · 25 yr78%
- Council tax (Band G)£313/moIndicative England average5%
- Buildings insurance£100/mo~0.12% of value / yr2%
- Maintenance & repairs£833/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel3%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£5,131
Loan £900,000 · Deposit £100,000 (10%)
£1,569/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £639,317
- Total paid
- £1,539,317
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
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Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£43,750
Effective rate 4.38% on £1,000,000
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
£347,500
Loan up to £247,500 + £100,000 deposit · capped by income (4.5× LTI)
This listing
£1,000,000
Short by £652,500 · needs income ~£200,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £4,695 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £200,000/yr income or £652,500 more deposit.
Monthly all-in
£5,612 /mo
£4,695 mortgage + £917 running · 122% of gross pay
Upfront cash
£148,294
£100,000 deposit + £43,750 SDLT + £4,544 fees
Lender check
Too big
Need £900,000 · max on income £247,500
- Loan needed (£900,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£5,612) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£148,294) 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?
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Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.50%
Net yield
-2.78%
Monthly cashflow
£-2,321
ROI on cash
-8.0%
Sensitivity
Rent −10%
£-2,419/mo · -2.90%
Rent +10%
£-2,222/mo · -2.67%
Rate +1%
£-2,946/mo · -3.53%
Rate −1%
£-1,696/mo · -2.03%
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)
106
/ 1k residents
Medium▼ 1.9% vs previous year
Broadband
509 Mbps
Up to 165 Mbps upload6 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Limited | Limited | Good | Limited |
| O2 | Good | Good | Limited | Good |
| Three | Good | Good | Good | Good |
| Vodafone | Limited | Good | Good | Good |
Planning applications
0within 250 m in the last 12 months
No recent applications recorded nearby.
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
- G
- 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, OX2 7TX and comparable homes nearby.
Property history
Jan 2018
Sold
£673,000
+55.8% vs previous
Feb 2014
Sold
£432,000
Sold nearby
Avg £987,167
96 Elm Lane
Semi-detached · 2 bed · 0.11 mi · Apr 2026
£784,000
41 Willow Terrace
Terraced · 1 bed · 0.25 mi · Sept 2025
£1,244,000
67 Linden Gardens
Detached · 2 bed · 0.32 mi · Jul 2026
£1,056,000
105 Poplar Mews
Detached · 3 bed · 0.39 mi · Jan 2025
£1,096,000
42 Ivy Lane
Flat · 2 bed · 0.46 mi · Mar 2026
£972,000
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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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