# 6 THE MOORINGS, HEST BANK, LANCASTER, LANCASHIRE, LA2 6DJ

## Property details

- Slug: `3c7a489` (address key hash: `3c7a489cde14df431751eb958039dba5711ccb90`)
- Postcode: LA2 6DJ
- Transactions on record: 2

- Tenure: Freehold
- Property type: Flat
- Bedrooms: 4
- Bathrooms: 2
- Floor area: 98 m²
- EPC rating: C
- Year built: England and Wales: 1930-1949
- Last sold: £220,000 Jan 2026
- Price per m²: £2,245/m²
- Local average: £225,000 (4 sales)
- Street crime: 14 incidents within 1 mile (May 2026)

## Latest sale

- Price: £220,000
- Date: 2026-01-30
- Type: F
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 06/05/2035
- **Current heating cost:** £976/year
- **Est. upgrade cost to C:** £3,155

### Recommendations
- L2 (£2,000 - £3,000)
- Y (£585 - £725)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/7335-9025-8500-0823-0206)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-30 | £220,000 | Flat | +63% | £210,889 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-54ce-8922-e063-4804a8c094d0) |
| Sold | 2015-02-06 | £135,000 | Flat | — | £173,833 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/52d2b65b-18d9-446c-953c-37bfe2f73522) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 6 THE MOORINGS, HEST BANK, LANCASTER, LANCASHIRE, LA2 6DJ | £220,000 | 30/01/2026 | Flat |
| 6 THE MOORINGS, HEST BANK, LANCASTER, LANCASHIRE, LA2 6DJ | £135,000 | 06/02/2015 | Flat |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [165965225](http://87.117.209.195:8080/listings/5885d4a)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £220,000 |
| listed | 2025-08-19 | £220,000 |
| sold | 2015-01-01 | £135,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 18A STATION ROAD, HEST BANK, LANCASTER, LANCASHIRE, LA2 6HP | £210,000 | 27/05/2022 | Flat |
| 5 THE MOORINGS, HEST BANK, LANCASTER, LANCASHIRE, LA2 6DJ | £167,000 | 10/01/2022 | Flat |

**Area average:** £188,500 (2 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 176.7%
- **10y growth:** 163.6%

## House Price Index (HM Land Registry)

*Official index for Lancaster; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -4.5%
- **5y growth (index):** 4.9%
- **10y growth (index):** 25.5%

## Rental Range

*ONS Price Index of Private Rents (Lancaster). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £730/mo
- **Realistic:** £811/mo
- **Optimistic:** £892/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Lancaster (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 4-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Bolton Le Sands, LA5 | £1,200/mo | 3 | 0.53 miles | OpenRent |
| 2 Bed Flat, Greenwood Avenue, LA5 | £800/mo | 2 | 0.64 miles | OpenRent |
| 3 Bed Bungalow, Greenwood Avenue, LA5 | £1,250/mo | 3 | 0.71 miles | OpenRent |

**Average rent: £1,083/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.55% (weak for cashflow)
- **Max investor price (0.8%):** £150,000
- **Target investor price (1%):** £120,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,200/mo).*

- **Gross yield:** 6.5%
- **Cost-to-rent:** 15.3×
- **Monthly cashflow:** £189/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3.5%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 6 |
| Public order | 3 |
| Burglary | 2 |
| Criminal damage and arson | 2 |
| Anti-social behaviour | 1 |
| **Total incidents** | **14** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Slyne-with-Hest, St Luke's, Church of England Primary School | Primary | 0.4 miles | Good — 20 Jul 2012 |
| Bolton-le-Sands Church of England Primary School | Primary | 1.4 miles | Good — 7 Nov 2022 |
| Great Wood Primary School | Primary | 1.6 miles | Good — 3 Apr 2013 |
| Beaumont College - A Salutem/Ambito College | Other | 1.6 miles | — (No rating) |
| Morecambe and Heysham Torrisholme Community Primary School | Primary | 1.7 miles | Outstanding — 11 Nov 2016 |