Spelsbury, Chipping Norton
South East
£550,000
Listed on 22/10/2026
Listed on 22/10/2026
The listing
Property details
Bedrooms
3Type
CottageArea
1195 sqftFeatures
- Garden
Description
This three-bedroom Cotswold stone cottage is in the village of Spelsbury, around a five-minute drive from Charlbury station. The ground floor has a dining hall with a store room, a sitting room with a traditional stove, and a rear kitchen with access to the garden. A bathroom is also on this level. Upstairs, reached by a spiral staircase, are a principal bedroom and two further double bedrooms, with exposed timber floorboards on the landing.
WHOTS analysis
Our WHOTS verdict
An internal assessment of the opportunity to acquire, improve and create value.
49out of 100
Grade ELow opportunity
Confidence: MEDIUM
This is a light-renovation canvas in a desirable Cotswold village: the stone cottage and its main roof look broadly intact, while the photographed interiors offer scope to refresh the finishes and update the dated kitchen and bathroom. The lawned gardens, stone boundaries and useful outbuilding add character, though the outbuilding roof coverings warrant inspection and the bathroom wall discolouration should be checked.
The setting and fundamentals are attractive, but the asking price is about 6% above the local £/sqf average, so price is a constraint rather than a value advantage. With the purchase price and refurb combined, costs also look tight against local benchmarks; the project has appeal, but the numbers leave limited headroom.
Key opportunities
- Refresh the dated interior finishes, including the photographed kitchen and bathroom.
- Make the most of the lawned gardens, stone boundaries and outlook over the neighbouring paddock.
- Inspect and potentially improve the stone outbuilding to make better use of this distinctive extra space.
Key risks
- Investigate the bathroom wall discolouration and the weathered coverings on the outbuilding roof.
- The asking price is above the local £/sqf average, and purchase plus refurbishment costs look tight against local benchmarks.
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Finance
Mortgage calculator
Illustrative repayments based on the asking price, not a mortgage offer.
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years
Current average 2-year fixed rate is 4.45%
Current average variable rate is 6.60%
Monthly Repayments
£2,078
Based on a loan of £412,500 over 30 years at 4.45% 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.
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