What kind of home is 20 Hermitage Gardens, MK45 3AY?

20 Hermitage Gardens, MK45 3AY is a 3-bedroom detached house.

What was the last sold price for 20 Hermitage Gardens, MK45 3AY?

20 Hermitage Gardens, MK45 3AY last sold for £380,000 in June 2024, around 2 years ago. Land Registry has 3 sales on record going back to £73,450 in July 1995. Source: HM Land Registry.

Has 20 Hermitage Gardens, MK45 3AY appreciated in value?

Across 3 sales between July 1995 and June 2024, 20 Hermitage Gardens, MK45 3AY rose from £73,450 to £380,000, a change of £306,550. That works out to roughly +5.9% per year compounded over 29 years. Source: HM Land Registry.

What is the EPC rating for 20 Hermitage Gardens, MK45 3AY?

The current EPC rating for 20 Hermitage Gardens, MK45 3AY is D with a score of 59 out of 100, lodged in June 2023. The assessor estimates the property could reach a B. Source: EPC Register.

How big is 20 Hermitage Gardens, MK45 3AY?

20 Hermitage Gardens, MK45 3AY has a recorded floor area of 76 m² (818 sq ft), around 25 m² per bedroom. That makes it about 26% smaller than the median EPC-recorded property in MK45 3AY. Source: EPC Register.

What heating system does 20 Hermitage Gardens, MK45 3AY use?

The latest EPC at 20 Hermitage Gardens, MK45 3AY records mains gas as the main heating fuel. Source: EPC Register.

Are there any planning records for 20 Hermitage Gardens, MK45 3AY?

20 Hermitage Gardens, MK45 3AY has council approval for an extension granted in July 2024 under ref. 24/01127/LDP. Source: PlanIt planning register.

What is the council tax band for 20 Hermitage Gardens, MK45 3AY?

20 Hermitage Gardens, MK45 3AY is in council tax band D.

Which area is 20 Hermitage Gardens, MK45 3AY in?

20 Hermitage Gardens, MK45 3AY sits in Cotton End, Bedford, Bedford. It falls within the MK45 postcode district.

How safe is the area around 20 Hermitage Gardens, MK45 3AY?

Police records around 20 Hermitage Gardens, MK45 3AY show an average of 2 reported crimes per month over the last 5 months. Violent crime makes up roughly 63% of reports, the most common category. The overall trend is broadly stable. Source: Police UK.

What schools are near 20 Hermitage Gardens, MK45 3AY?

The closest primary school to 20 Hermitage Gardens, MK45 3AY is Cotton End Forest School (283m), one of 3 primaries within walking distance.

What transport links are near 20 Hermitage Gardens, MK45 3AY?

The closest bus stop to 20 Hermitage Gardens, MK45 3AY is The Bell, 152m away. In total there are 30 bus stops within the surrounding area.

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20 Hermitage Gardens, Cotton End, Bedford, MK45 3AY

3 sales on record2 planning records

Property type

Detached

Bedrooms

Bathrooms

Floor area

76 m²

818 sq ft

Energy rating

Score 59

Council tax

Band D

Tenure

Owner Occupied

Overview

About 20 Hermitage Gardens

A plain-English summary derived from public records, EPC certificates, sold prices and local data.

20 Hermitage Gardens is a three-bedroom detached house in Cotton End, Bedford, Bedford (MK45 3AY). It has a recorded floor area of 76 m² (around 818 sq ft), construction records dating it to 1983-1990 and council tax band D. The latest certificate (June 2023) shows a D (score 59), a step below the typical UK home. The recommended improvements would lift it to B (score 85), a 2-band jump.

2 planning records sit against the property, 2 approved, 0 refused. Past consents include an extension, meaningful when judging how the property has evolved. Across 1995–2024, sale prices on this property compounded at 5.9% per year. On a £-per-square-foot basis, the last sale (£465/sq ft) was about 277.9% above the typical sold price in the postcode. At 76 m² it's 19.1% smaller than the typical home in the postcode (94 m² median across 9 EPCs). Most recent transfer: June 2024 at £380,000.

Before you offer

Know exactly what you're buying at 20 Hermitage Gardens

Before you offer, see what the listing won't tell you, the true value, the red flags and the full history.

Already flagged here

Larger development activity nearby

£14.99

Trusted by UK homebuyers

Valuation

against the asking price

Risks

planning & flood

Sold prices

similar homes nearby

Trends

the local market

Specifications

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
Bathrooms2

Energy

Energy performance

Every EPC certificate filed against this property — current rating, recorded improvements, and where there's headroom to reach a higher band.

Recommended upgrades on file would lift this property by multiple EPC bands.

EPC Rating

D59

Main Heating

Gas

Main Fuel

Gas

Hot Water

Average

Windows

Average

CO2 Emissions

4.2 t/year

Occupancy

Owner Occupied

Planning

Planning history

Applications and permits filed against 20 Hermitage Gardens, Cotton End, Bedford, MK45 3AY, sourced from the PlanIt planning register.

20 Hermitage Gardens has an approved extension on the planning record.

Aug 2024
Outline
In report
Certificate to confirm that the details submitted do not require planning permisison (Part conversion of existing garage)
Reference
24/01130/LDP
View planning record
Jul 2024
ExtensionOutline
In report
Certificate to confirm that the details submitted do not require planning permission (Single storey rear extension)
Documents
8 docs on file
Reference
24/01127/LDP
View planning record

Before you offer

We flagged 1 thing worth checking at 20 Hermitage Gardens

Independent checks surfaced things a buyer would want to understand before offering. The report explains each one in full, with the underlying data and what to ask.

Larger development activity nearby

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Price

Sales history & valuation

Recorded transactions, our model's current estimate, and a quick read on what neighbouring properties have sold for.

Price for 20 Hermitage Gardens has grown more than fourfold since the 1995 starting point.

Current estimate

£401,000

Modelled from EPC, postcode comparables and a sale-price growth of 5.9% per year over 29 years.

See how we calculated this

Last sold (2024)

£380,000

Growth on file: 5.9% per year over 29 years.

Sales timeline

6 June 2024Most recent
£380,000
+306.4%over 26 years
14 April 1998
£93,500
+27.3%over 2 years
24 July 1995
£73,450

Median price across the last 5 sales in MK45 3AY: £400,000 (2025–2014).

Nearby sales in MK45 3AY

Before you offer

Everything we know about 20 Hermitage Gardens, in one report

What it's really worth, what could be wrong, and the planning, sales and area data in full.

What we flagged

Larger development activity nearby

£14.99

Trusted by UK homebuyers

On the street

Versus other Hermitage Gardens homes

Four headline reads against 9 similar houses on this street, drawn from the latest EPC and Land Registry data.

20 Hermitage Gardens outperforms the street on price per m² by a wide margin.

Price per m²

£5,000

Street avg £3,297

Strongly above

Floor Area

76 m²

Street avg 96 m²

Strongly below

Habitable Rooms

4 rooms

Street avg 5 rooms

Strongly below

CO₂ Emissions

4.2 t/year

Street avg 4.0 t/year

Below

Comparables

Similar properties nearby

A handful of close matches in the same postcode area, ranked by likeness on bedrooms, type and floor area.

£397k

1 Bedford Road, Houghton Conquest

MK45 3LS

3 bed2 bath

£426k

1 Banks Croft, Houghton Conquest

MK45 3GH

3 bed2 bath

£359k

1 Barleycorn Close, Houghton Conquest

MK45 3NX

3 bed1 bath

£344k

1 Adelaide Close, Houghton Conquest

MK45 3EL

3 bed1 bath

£343k

1 Bunkers Drive, Cotton End

MK45 3AT

3 bed2 bath

£341k

1 Bedford Road, Wilstead

MK45 3HN

3 bed

£413k

1 Armstrong Close, Wilstead

MK45 3EA

4 bed2 bath

£384k

1 Black Hat Close, Wilstead

MK45 3HE

2 bed2 bath

Area

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.

Full Bedford report

Daytime road noise here sits well below conversation level — a quiet pocket of the postcode.

Crime

2/mo

Steady 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.

Go deeper on the local area

The full report breaks down crime, transport links, schools and air quality in depth.

Noise

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

Low

Night-time road noise heatmap for MK45 3AY

Night-time· 23:00 – 07:00

38.2dB

Low

55 dB

60 dB

65 dB

70 dB

75 dB

80 dB

Defra Road Noise Strategic Mapping, Round 4

FAQ

Common questions

The questions buyers, sellers and homeowners most often ask about 20 Hermitage Gardens, Cotton End, Bedford, MK45 3AY. Each answer is also embedded as structured data for search engines.