Model valuation£417,0008 Busby Close
Local market context
14 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
4 sales on record
Estimated value
£392,000
- Since the 2020 sale (£313,000)+25%
- Against MK45 3AY's recent median (£400,000)-2%
Newest record on this page: January 2025. Land Registry and EPC registers update monthly, so this page can trail them by 2–3 months.
Property type
Detached
Bedrooms
3
Bathrooms
3
Floor area
91 m²
980 sq ft
Energy rating
C
Score 69
Council tax
Band D
Tenure
Owner Occupied
About this valuation
How the figure is worked out and what it's based on. If you know this home, you can tell other visitors what you think it's worth.
Our estimate
£392,000
- Against its 2020 sale (£313,000)+25%
- Against MK45 3AY's recent median (£400,000)-2%
Your note and figure are shown publicly on this page.
How the estimate is made
The estimate for 14 Hermitage Gardens is modelled from its 91 m² EPC floor area, its 4 recorded sales and recent sales of comparable homes in MK45 3AY. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.
What it's based on
Floor area
91 m² from the EPC lodged in May 2019
Sales of this home
4 sales recorded, the latest in 2020
Recent sales in MK45 3AY
5 sales, median £400,000 (2025–2014)
This page or the full report?
| Data | This page | Full report |
|---|---|---|
| Sales | Latest sale shown: January 2025 | Latest available records, read when you order |
| Valuation | Estimate from the last refresh | Analysed against comparable sales |
| Planning | None on this home | Full history, plus nearby schemes |
| Flood risk | Not shown | Included |
Sales history & valuation
Every recorded sale of this home, how its price has moved, and what neighbouring properties have sold for.
14 Hermitage Gardens has more than quadrupled in price since its earliest registered sale in 1995.
Sales timeline
31 January 2020Most recent
£313,000
+49.0%over 13 years28 August 2006
£210,000
+113.2%over 7 years8 October 1998
£98,500
+40.8%over 3 years1 June 1995
£69,950
Median price across the last 5 sales in MK45 3AY: £400,000 (2025–2014).
Nearby sales in MK45 3AY
7 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
Sold Jan 2025
£500,00020 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
Sold Jun 2024
£380,00016 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
Sold May 2022
£400,00026 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
Sold Dec 2021
£475,0003 Hermitage Gardens, Cotton End, Bedford, MK45 3AY
Sold Dec 2014
£282,000
What this page doesn't show
1 potential issue has already been flagged for 14 Hermitage Gardens, Cotton End, Bedford, MK45 3AY. The detail, evidence and what to ask about it are in the Risks Report.
- Larger development activity nearbyIn report
- Flood risk from rivers, sea and surface waterIn report
- Subsidence and ground-stability signalsIn report
- Refusals, enforcement and big schemes nearbyIn report
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About 14 Hermitage Gardens
A plain-English summary derived from public records, EPC certificates, sold prices and local data.
14 Hermitage Gardens is a three-bedroom detached house in Cotton End, Bedford, Bedford (MK45 3AY). It has a recorded floor area of 91 m² (around 980 sq ft), construction records dating it to 1996-2002 and council tax band D. The latest certificate (May 2019) shows a C (score 69), just inside the C band. The recommended improvements would push it to B (score 84).
Sold January 2020 for £313,000. Across the public record there are 4 sales, relatively high churn for a single property. Its energy rating outperforms most of the postcode (better than 89% of similar EPCs). Across 1995–2020, sale prices on this property compounded at 6.3% per year. Today's modelled estimate of £392,000 is 25.2% above the 2020 sale price. On a £-per-square-foot basis, the last sale (£320/sq ft) was about 179.6% above the typical sold price in the postcode.
What this property has
Pulled from EPC certificates, claim submissions and our property model. Empty categories are hidden — we only show what's known.
Inside
- Bedrooms3
- Bathrooms3
Outside
- Private gardenSouth-east-facing
- DrivewayYes
Building
- RefurbishedYes
Before you decide
Everything you need to know about 14 Hermitage Gardens
The true value, the hidden risks and the full sale history, in one report.
Larger development activity nearby
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The data behind every report
Energy performance
Every EPC certificate filed against this property — current rating, recorded improvements, and where there's headroom to reach a higher band.
Current Certificate
May 2019EPC Rating
A
B
C
C69
D
E
F
G
Main Heating
Gas
Main Fuel
Gas
Hot Water
Good
Windows
Average
CO2 Emissions
3.3 t/year
Occupancy
Owner Occupied
Certificate validity
Valid until 12 May 2029
Planning history
Applications and permits filed against 14 Hermitage Gardens, Cotton End, Bedford, MK45 3AY, sourced from the PlanIt planning register.
14 Hermitage Gardens has no planning applications on record.
8
But the area is active
8 notable applications nearby — larger schemes and conversions that could reshape the street. The report maps them all.
Versus other Hermitage Gardens homes
Four headline reads against 9 similar houses on this street, drawn from the latest EPC and Land Registry data.
On epc rating, 14 Hermitage Gardens stands well clear of the street.
Price per m²
£3,440
Street avg £3,470
Floor Area
91 m²
Street avg 94 m²
Habitable Rooms
5 rooms
Street avg 5 rooms
CO₂ Emissions
3.3 t/year
Street avg 4.1 t/year
The neighbourhood at a glance
A condensed read of the local area. Each tile links through to the full breakdown on the Bedford district page.
Daytime road noise here sits well below conversation level — a quiet pocket of the postcode.
Crime
181/mo
Falling year-on-year across the wider district.
Nearest stop
0.2 km
The Bell — bus stop.
Closest school
0.3 km
Cotton End Forest School. 3 schools nearby.
Nearest schools
- Cotton End Forest SchoolPrimary283m
- Shortstown Primary SchoolPrimary1.9km
- Wilstead Primary SchoolPrimary2.9km
Nearest stops
- The BellBus stop152m
- The BellBus stop311m
- Old Lower SchoolBus stop318m
- Bunkers DriveBus stop449m
Most reported crime locally
- Violence & Sexual Offences830 reports38%
- Anti-social Behaviour458 reports21%
- Vehicle Crime187 reports9%
- Criminal Damage & Arson149 reports7%
Go deeper on the local area
A Local Area report breaks down crime, transport links, schools and air quality in depth.
Road noise across the postcode
Modelled day and night-time noise levels around MK45 3AY from Defra's strategic mapping. The pin marks this postcode's centroid.
Daytime· 07:00 – 23:00
44.5dB
Night-time· 23:00 – 07:00
38.2dB
55 dB
60 dB
65 dB
70 dB
75 dB
80 dB
Defra Road Noise Strategic Mapping, Round 4
Get a survey for this property
Level 2 HomeBuyer Report
Late 20th centuryDetached HouseEPC C
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Similar properties nearby
A handful of close matches in the same postcode area, ranked by likeness on bedrooms, type and floor area.
£410k
1 Bedford Road, Houghton Conquest
MK45 3LS
3 bed2 bath
£436k
1 Banks Croft, Houghton Conquest
MK45 3GH
3 bed2 bath
£351k
1 Barleycorn Close, Houghton Conquest
MK45 3NX
3 bed1 bath
£350k
1 Bedford Road, Wilstead
MK45 3HN
3 bed
£344k
1 Adelaide Close, Houghton Conquest
MK45 3EL
3 bed1 bath
£331k
1 Bunkers Drive, Cotton End
MK45 3AT
3 bed2 bath
£375k
1 Black Hat Close, Wilstead
MK45 3HE
2 bed2 bath
£424k
1 Armstrong Close, Wilstead
MK45 3EA
4 bed2 bath
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Where every figure above comes from, how current it is and what it can't tell you.
- How the estimate is made
- The estimate for 14 Hermitage Gardens is modelled from its 91 m² EPC floor area, its 4 recorded sales and recent sales of comparable homes in MK45 3AY. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.
- Where sold prices come from
- Sold prices are HM Land Registry Price Paid Data, which covers residential sales in England and Wales since 1995. 4 sales are recorded for 14 Hermitage Gardens. Sales normally appear two to three months after completion, so the most recent ones take time to show up anywhere.
- Reading the EPC
- Energy Performance Certificates rate homes from A (most efficient) to G and last 10 years. The latest one for 14 Hermitage Gardens was lodged in May 2019 at band C and is valid until May 2029. Floor area, heating and insulation details on this page come from it.
- Planning records
- Planning applications are collected from local authority registers through PlanIt. None is matched to 14 Hermitage Gardens. Councils sometimes file applications under a different address format, and applications on neighbouring land aren't listed here; the report covers both.
- Area figures
- Crime is police-recorded street-level data over the last 12 months, which places each incident at an approximate point. The 3 schools and 30 stops listed are measured in a straight line from MK45 3AY, not by walking route. Road noise is Defra's strategic noise modelling, averaged across the postcode.
- Council tax band
- 14 Hermitage Gardens is in council tax band D. Bands are set by the Valuation Office Agency from historic values (1 April 1991 in England, 1 April 2003 in Wales), not today's price; the amount you pay depends on the council's rate for the band.
Common questions
The questions buyers, sellers and homeowners most often ask about 14 Hermitage Gardens, Cotton End, Bedford, MK45 3AY. Each answer is also embedded as structured data for search engines.
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Keep exploring
- Every home in MK45 3AYSold prices, values and energy ratings for the postcode
- MK 45 property marketPrices, postcodes, schools and transport across the district
- 14 Hermitage Gardens, Cotton End, Bedford valuationHow the estimate is built and what moves it
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- Report on another addressLook up any home in England and Wales