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3 bed house for sale Spencer Street, Chesterfield, S40

Asking price

£150,000

Added on 21/05/2026

Type: Terraced
Bedrooms: 3
Bathrooms: 1
Size: £130 per sq ft
Tenure: Freehold

Key features

Modern Fitted Kitchen With Ample Storage
Two Reception Rooms
Private Rear Courtyard Garden
Spacious Principal Bedroom With Natural Light
Three Bedroom Mid-Terrace Home
Three Versatile Bedrooms Across Two Floors
Generous Top-Floor Bedroom With Velux Window
Contemporary Three-Piece Family Bathroom
Useful Cellar Offering Additional Storage Space
EPC Rating - TBC; Tenure - Freehold.

About this property

Potential rental income around £850 pcm

This deceptively spacious three-bedroom mid-terrace home offers flexible accommodation set across three floors, ideally suited to a range of buyers including professionals, couples and families. Neutrally decorated throughout, the property provides well-proportioned living spaces suited to a range of buyers, investors or tenants alike.

Floorplan

Council tax

Ask agent

Per year

Band A

£1,560
Band B

£1,820
Band C

£2,080
Band D

£2,339
Band E

£2,859
Band F

£3,379
Band G

£3,899
Band H

£4,679

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In Chesterfield, 2026/27 bills run from £1,560 a year in band A to £4,679 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across Chesterfield, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Property timeline

Listed

May 2026 £150,000

3 beds · 1 bath · this listing

Past sales can't be shown: the agent hasn't given the house number.

Price guide

100 comparables · within 1.9 miles

Cheaper than 86% of the 3-bed houses for sale nearby right now.

This home, £150,000 Median £222,500 · £150,000 – £325,500

Per square foot

£130 45% under

3-bed houses nearby £237

Against sold prices

48% under

S40 sold median £248 / sq ft, 1,017 sales

Compared with 100 3-bed houses for sale within 1.9 miles, on the market now or already under offer. The range is the middle 80% of their asking prices. Sold prices are HM Land Registry sales in S40 over the last 24 months, per square foot of EPC floor area. All sold £/sq ft in S40 →

Location

Spencer Street, Chesterfield, S40

Open map Street View

Mortgage and stamp duty

Property price £150,000

£75k £225k

Deposit10% £15,000

£0 £150k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £135,000 mortgage. Most lenders would want a household income of about £30,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
33, Spencer Street Semi-detached	Semi-detached	Feb 2026	840 sq ft £176/sq ft	840 sq ft	£176	£148,000
26, Spencer Street Semi-detached	Semi-detached	Oct 2025	753 sq ft £186/sq ft	753 sq ft	£186	£139,950
49, Spencer Street Terraced	Terraced	Sept 2025	678 sq ft £239/sq ft	678 sq ft	£239	£162,000
12, Spencer Street Terraced	Terraced	Oct 2024	775 sq ft £161/sq ft	775 sq ft	£161	£125,000
2b, Spencer Street Detached	Detached	Aug 2024	1,216 sq ft £289/sq ft	1,216 sq ft	£289	£352,000
20, Spencer Street Terraced	Terraced	Apr 2023	710 sq ft £218/sq ft	710 sq ft	£218	£155,000
21, Spencer Street Terraced	Terraced	Apr 2023	764 sq ft £164/sq ft	764 sq ft	£164	£125,000
59, Spencer Street Terraced	Terraced	Nov 2020	807 sq ft £186/sq ft	807 sq ft	£186	£150,000