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St. James's Road, Croydon

South East

£165,000

Listed on 07/08/2026

The listing

Property details

Bedrooms
2
Type
Flat

Features

  • Garden
  • Parking

Description

This two-bedroom apartment, located on the top floor of a charming period conversion, presents a compelling opportunity for investors or cash buyers looking for a renovation project. The property is in need of complete modernisation and offers considerable potential to transform it into a contemporary living space. Featuring two spacious double bedrooms, one with an attractive period fireplace and views of the surrounding greenery, this apartment allows for creative redesigns to suit individual tastes. The kitchen is generously sized with ample storage and leads into a bright living and dining area—ideal for entertaining guests. With large windows throughout, natural light floods the space, enhancing its overall appeal. Additionally, the private rear garden is an unusual feature that adds significant value to this type of property. Although the lease currently stands at approximately 54 years, making it suitable only for cash buyers, the location benefits from excellent transport links via East Croydon and West Croydon stations, ensuring convenient access to Central London and beyond.

WHOTS analysis

Our WHOTS verdict

An internal assessment of the opportunity to acquire, improve and create value.

47out of 100
Grade ELow opportunity

Confidence: LOW

This is a medium-scale project with a useful starting point: two double bedrooms, an open kitchen and living/dining arrangement, a private entrance and a private garden. The period fireplace and garden outlook add character, while the dated finishes, staining in places and neglected garden give a buyer scope to reshape the flat and improve its appeal. The kitchen and bathroom both look ready for updating, and the garden would benefit from clearance and basic improvement.

The 47/100, grade E score reflects important limits on judging the opportunity: floor area is missing, so value against local £/sqf cannot yet be assessed. The short lease of about 54 years and cash-buyers-only restriction are also significant purchase constraints; lease terms and any extension options need careful investigation before proceeding.

Key opportunities

  • Rework the dated kitchen and open-plan living/dining space into a more cohesive, contemporary entertaining area.
  • Refresh the dated finishes and flooring across the photographed rooms, while retaining the period fireplace as a character feature.
  • Clear and improve the private rear garden, a distinctive extra for this flat.

Key risks

  • The approximately 54-year lease and cash-buyers-only restriction may limit financing and resale options; establish the lease terms and extension position.
  • Staining and discolouration in the bathroom and on some internal surfaces should be investigated to establish the cause and scope.
  • Roof condition cannot be reliably assessed from the available exterior view.

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Map

Location

St. James's Road, Croydon
Loading map...

Transport

Nearest stations

  • West Croydon Tram Stop

    0.3 miles

    Tram · Croydon

  • West Croydon Rail Station

    0.4 miles

    Train · Croydon

  • Centrale Tram Stop

    0.6 miles

    Tram · Croydon

  • Reeves Corner Tram Stop

    0.6 miles

    Tram · Croydon

Contains public sector information from NaPTAN (DfT) licensed under the Open Government Licence v3.0.

Finance

Mortgage calculator

Illustrative repayments based on the asking price, not a mortgage offer.

£
£
£
%
%
years

Current average 2-year fixed rate is 5.13%

Current average variable rate is 6.58%

Monthly Repayments
£674
Based on a loan of £123,750 over 30 years at 5.13% interest

These results are estimates and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.

Tax

Stamp duty calculator

Indicative tax based on the asking price and the options you select.

Pricing

Price history

-8.3% since listed
£165,000£15,000(-8.3%)
21/09/2026
Current price
£180,000Initial listing
06/08/2026

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