The listed price of £120,000 for a studio apartment in Bedford town centre seems reasonable considering the average price of nearby properties on Mill Street, which is around £158,333. However, without exact square footage for comparable properties and additional details on property features, a definitive conclusion on value for money is difficult. The lack of plot size information also influences this assessment.

The property appears to be in a reasonably good condition based on the provided photographs. The apartment seems modern and recently refurbished, with a contemporary kitchen and bathroom. However, some aspects of the photos suggest the property may need some minor tidying or cleaning prior to resale, thus preventing a higher score.

The property benefits from a central location in Bedford, close to Bedford St Johns train station (0.84km) providing good transport links. Several schools are within a 1km radius, including Bedford College and Bedford Free School, which have good Ofsted ratings. The proximity to the town centre offers convenient access to shops and amenities. However, the lack of detailed information on the immediate surrounding area and specific noise or safety issues prevents a higher score.

The property has no garden or outdoor space, which is common for apartments in town centres, hence the low score.