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1 bed flat for sale Effingham Street, Ramsgate, CT11

Asking price

£90,000

Added on 27/09/2026

Type: Flat
Bedrooms: 1
Bathrooms: 1
Tenure: Ask agent

About this property

Positioned just moments from Ramsgate’s stunning Royal Harbour and the vibrant town centre, this well-located ground floor flat offers fantastic value for money and huge potential for those looking to take their first step onto the property ladder or secure a solid rental investment. The property boasts a practical layout with a comfortable living space, separate kitchen and a good-sized bedroom, making it an ideal blank canvas ready for someone to refresh and add instant value.

Council tax

Ask agent

Per year

Band A

£1,661
Band B

£1,937
Band C

£2,214
Band D

£2,491
Band E

£3,044
Band F

£3,598
Band G

£4,152
Band H

£4,982

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In Thanet, 2026/27 bills run from £1,661 a year in band A to £4,982 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across Thanet, 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.

Price guide

37 comparables · within 2.7 miles

Cheaper than 92% of the 1-bed flats for sale nearby right now.

This home, £90,000 Median £135,000 · £100,000 – £204,000

Compared with 37 1-bed flats for sale within 2.7 miles, on the market now or already under offer. The range is the middle 80% of their asking prices.

Location

Effingham Street, Ramsgate, CT11

Open map Street View

Mortgage and stamp duty

Property price £90,000

£45k £135k

Deposit10% £9,000

£0 £90k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £81,000 mortgage. Most lenders would want a household income of about £18,000 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
37, Effingham Street Semi-detached	Semi-detached	Jun 2026	1,668 sq ft £210/sq ft	1,668 sq ft	£210	£350,000
17, Effingham Street Terraced	Terraced	Oct 2025	1,012 sq ft £222/sq ft	1,012 sq ft	£222	£225,000
39, Effingham Street Terraced	Terraced	Sept 2023	2,659 sq ft £216/sq ft	2,659 sq ft	£216	£575,000
Flat 1, 35, Effingham Street Flat / maisonette	Flat / maisonette	Jul 2023	947 sq ft £182/sq ft	947 sq ft	£182	£172,000
31, Effingham Street Terraced	Terraced	Jun 2022	1,302 sq ft £284/sq ft	1,302 sq ft	£284	£370,000
Flat 2, 35, Effingham Street Flat / maisonette	Flat / maisonette	Apr 2022	1,367 sq ft £249/sq ft	1,367 sq ft	£249	£340,000
33, Effingham Street Terraced	Terraced	Mar 2022	1,227 sq ft £306/sq ft	1,227 sq ft	£306	£375,000
27, Effingham Street Terraced	Terraced	Feb 2022	1,324 sq ft £219/sq ft	1,324 sq ft	£219	£290,000