4 bedroom semi, Victoria Road, Oxford
Oxford, OX4 1DY
Added 24 Jul 2026
£950,000
Guide price
Bedrooms
4
Bathrooms
2
Size
1,760 sqft
Type
semi
Match
83%
- TenureFreehold
- Council taxBand E
- EPCD
- ChainChain-free
- ParkingGarage
- GardenNo Garden
About this home
Key features
- Downstairs WC
- En-suite
- Fibre broadband
- Loft with ladder
- Modern boiler
- Rear garden
- Garage parking
- No garden
- Chain free
- EPC rating D
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.
£6,039/ 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
- Parking
- Garage
- Garden
- No Garden
- Chain
- Chain-free
Energy performance
- A
- B
- C
- DScore 65
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,760 sqft
≈ 164 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
Central
Rail
- 0.9 mi
Riverside Station
Rail
- 1.5 mi
Junction
Tram
- 1.5 mi
Parkway Station
Overground
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
48.3 mi away
Birmingham New Street
59.5 mi away
Bristol Temple Meads
62.2 mi away
Manchester Piccadilly
128.2 mi away
Leeds
143.4 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.9 mi
Supermarket
Tesco Express
- 🏋️0.8 mi
Gym
Anytime Fitness
- 🌳0.4 mi
Park
The Meadows
- 🩺0.6 mi
GP surgery
Parkside Surgery
- 🍽️0.1 mi
Restaurants
Village square
- ☕0.4 mi
Café
Grind & Co.
Commute time
Estimate the journey from Oxford, OX4 1DY 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: Limited
- VodafoneIndoor: LimitedOutdoor: Limited
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Limited
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Oxford, OX4 1DY.
Area average
£998,179
This home -5%
12m change
-0.8%
Sold prices
Avg £/sqft
£1083
This home £540
Buyer demand
Cooling
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£6,191 /mo
£74,288 per year — indicative estimate.
- Mortgage£4,875/mo10% deposit · 4.75% · 25 yr79%
- Council tax (Band E)£229/moIndicative England average4%
- Buildings insurance£95/mo~0.12% of value / yr2%
- Maintenance & repairs£792/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
£4,875
Loan £855,000 · Deposit £95,000 (10%)
£1,490/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £607,351
- Total paid
- £1,462,351
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
£38,750
Effective rate 4.08% on £950,000
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
£342,500
Loan up to £247,500 + £95,000 deposit · capped by income (4.5× LTI)
This listing
£950,000
Short by £607,500 · needs income ~£190,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £4,460 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £190,000/yr income or £607,500 more deposit.
Monthly all-in
£5,331 /mo
£4,460 mortgage + £871 running · 116% of gross pay
Upfront cash
£138,219
£95,000 deposit + £38,750 SDLT + £4,469 fees
Lender check
Too big
Need £855,000 · max on income £247,500
- Loan needed (£855,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£5,331) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£138,219) 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.
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
1.58%
Net yield
-2.72%
Monthly cashflow
£-2,157
ROI on cash
-7.9%
Sensitivity
Rent −10%
£-2,255/mo · -2.85%
Rent +10%
£-2,058/mo · -2.60%
Rate +1%
£-2,750/mo · -3.47%
Rate −1%
£-1,563/mo · -1.97%
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)
70
/ 1k residents
Low▲ 9.1% vs previous year
Broadband
738 Mbps
Up to 515 Mbps upload6 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Good |
| O2 | Good | Good | Good | Good |
| Three | Good | Good | Limited | Limited |
| Vodafone | None | Good | Good | Good |
Planning applications
10within 250 m in the last 12 months
- Pending
Replacement windows (conservation)
2025/7077/HH · 21 Sept 2025
- Refused
Single-storey rear extension
2026/2451/HH · 6 Apr 2026
- Withdrawn
Change of use to residential
2026/5461/HH · 16 Mar 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
- 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, OX4 1DY and comparable homes nearby.
Property history
Nov 2019
Sold
£622,000
+67.2% vs previous
Jan 2018
Sold
£372,000
Sold nearby
Avg £859,833
8 Rowan Road
Flat · 4 bed · 0.17 mi · Jun 2025
£940,000
46 Rowan Gardens
Terraced · 5 bed · 0.31 mi · Aug 2024
£739,000
41 Cedar Gardens
Semi-detached · 5 bed · 0.35 mi · Oct 2025
£852,000
125 Linden Road
Flat · 4 bed · 0.37 mi · Aug 2024
£795,000
50 Elm Gardens
Flat · 4 bed · 0.4 mi · Apr 2026
£809,000
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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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