Terraced

42 HARROGATE STREET

BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5LY

£120,000

Location

Map view View on Google Maps View on OpenStreetMap Street View LA14 5LY

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	The Victoria Park Hotel	0.1 miles
Train station	Barrow-in-Furness	0.4 miles
Shop	Tickets	0.4 miles
Hospital	Furness General Hospital	1.0 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

62 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£120,000 Jan 2026

Price per m²

£1,935/m²

Local average

£114,673 (119 sales)

Street crime

377 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 07/10/2025

Expiry date: 06/10/2035

Current heating cost: £745/year

Potential heating cost: £681/year

Est. upgrade cost to C: £10,200

Recommendations

Cavity wall insulation (£900 - £1,500)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	30/01/2026	£120,000	Terraced	—	£121,304 to April 2026	View transaction

Historic listings

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

Event	Date	Price
sold	01/01/2026	£120,000
listed	13/10/2025	£120,000
sold	01/01/2020	£97,000
sold	01/01/2013	£80,000
sold	01/01/2004	£54,500
sold	01/01/2001	£27,000
sold	01/01/1998	£28,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
111 OXFORD STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5QH	£175,000	28/01/2026	Terraced
2 VICTORIA MEWS, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5XB	£150,000	19/12/2025	Terraced
4 ST MATTHEWS MEWS, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5XD	£155,000	10/12/2025	Terraced
52 CHELTENHAM STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HW	£189,000	05/12/2025	Terraced
68 NORFOLK STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NU	£148,000	12/11/2025	Terraced
58 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY	£71,000	27/10/2025	Terraced
17 NORFOLK STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NT	£125,000	25/03/2025	Terraced
32 NEWBY TERRACE, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PE	£97,000	19/12/2023	Terraced
51 CHELTENHAM STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HW	£87,000	15/12/2023	Terraced
75 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY	£111,000	15/12/2023	Terraced
55 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY	£117,500	15/12/2023	Terraced
36 SETTLE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HQ	£113,000	01/12/2023	Terraced
40 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PA	£35,000	30/11/2023	Terraced
35 VICTORIA ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5JT	£160,000	27/11/2023	Terraced
3 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NZ	£100,500	23/11/2023	Terraced
42 BRIGHTON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HE	£133,000	17/11/2023	Terraced
50 NEWBY TERRACE, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PE	£63,000	17/11/2023	Terraced
71 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PB	£79,000	13/11/2023	Terraced
81 VICTORIA ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NW	£148,000	10/10/2023	Terraced
29 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NZ	£107,500	29/09/2023	Terraced

Area average: £118,225 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

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

5y growth 4.5%

10y growth 35.5%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: Terraced. As of April 2026.

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

Rental Range

Estimated market rent for North West. Low = conservative, Realistic = average, Optimistic = best case.

Low £859/mo

Realistic £954/mo

Optimistic £1,049/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for Barrow-in-Furness: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Terraced House, Highfield Road, LA14	£775/mo	2	0.11 miles	OpenRent

Average rent: £775/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.65%

Max investor price (0.8%) £96,875

Target investor price (1%) £77,500

Gross yield 7.8%

Cost-to-rent ratio 12.9×

Monthly cashflow £200/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 6.9%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus 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

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	162
Shoplifting	46
Criminal damage and arson	39
Public order	35
Burglary	18
Anti-social behaviour	17
Drugs	17
Other theft	15
Possession of weapons	8
Other crime	6
Vehicle crime	6
Bicycle theft	4
Robbery	2
Theft from the person	2
Total incidents	377

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Victoria Infant and Nursery School	Primary	0.2 miles	Good — 13 Mar 2018
Victoria Academy	Primary	0.3 miles	Outstanding — 28 Apr 2024
St Paul's CofE Junior School	Primary	0.5 miles	Good — 16 Jul 2014
Ramsden Infant School	Primary	0.6 miles	Good — 25 Jan 2023
St James' CofE Junior School	Primary	0.6 miles	Good — 23 Apr 2012

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
23/01/2006	12/12/2005	4	2

# 42 HARROGATE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5LY

## Property details

- Slug: `4ff0bf8` (address key hash: `4ff0bf8cb45c0fc2145c96f6815d7e7e5b8f4e55`)
- Postcode: LA14 5LY
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 62 m²
- EPC rating: C
- Year built: England and Wales: 1930-1949
- Last sold: £120,000 Jan 2026
- Price per m²: £1,935/m²
- Local average: £114,673 (119 sales)
- Street crime: 377 incidents within 1 mile (May 2026)

## Latest sale

- Price: £120,000
- Date: 2026-01-30
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 06/10/2035
- **Current heating cost:** £745/year
- **Est. upgrade cost to C:** £10,200

### Recommendations
- B (£900 - £1,500)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2010-9600-8050-7694-3301)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-30 | £120,000 | Terraced | — | £121,304 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-f478-d8ea-e063-4704a8c0bf7d) |

*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 |
|---------|-------|------|------|
| 42 HARROGATE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5LY | £120,000 | 30/01/2026 | Terraced |

## Historic listings

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

- Matched listing: [168167885](http://87.117.209.195:8080/listings/fbc3dfd)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £120,000 |
| listed | 2025-10-13 | £120,000 |
| sold | 2020-01-01 | £97,000 |
| sold | 2013-01-01 | £80,000 |
| sold | 2004-01-01 | £54,500 |
| sold | 2001-01-01 | £27,000 |
| sold | 1998-01-01 | £28,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 111 OXFORD STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5QH | £175,000 | 28/01/2026 | Terraced |
| 2 VICTORIA MEWS, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5XB | £150,000 | 19/12/2025 | Terraced |
| 4 ST MATTHEWS MEWS, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5XD | £155,000 | 10/12/2025 | Terraced |
| 52 CHELTENHAM STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HW | £189,000 | 05/12/2025 | Terraced |
| 68 NORFOLK STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NU | £148,000 | 12/11/2025 | Terraced |
| 58 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY | £71,000 | 27/10/2025 | Terraced |
| 17 NORFOLK STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NT | £125,000 | 25/03/2025 | Terraced |
| 32 NEWBY TERRACE, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PE | £97,000 | 19/12/2023 | Terraced |
| 51 CHELTENHAM STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HW | £87,000 | 15/12/2023 | Terraced |
| 75 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY | £111,000 | 15/12/2023 | Terraced |
| 55 QUEEN STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NY | £117,500 | 15/12/2023 | Terraced |
| 36 SETTLE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HQ | £113,000 | 01/12/2023 | Terraced |
| 40 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PA | £35,000 | 30/11/2023 | Terraced |
| 35 VICTORIA ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5JT | £160,000 | 27/11/2023 | Terraced |
| 3 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NZ | £100,500 | 23/11/2023 | Terraced |
| 42 BRIGHTON STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5HE | £133,000 | 17/11/2023 | Terraced |
| 50 NEWBY TERRACE, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PE | £63,000 | 17/11/2023 | Terraced |
| 71 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5PB | £79,000 | 13/11/2023 | Terraced |
| 81 VICTORIA ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NW | £148,000 | 10/10/2023 | Terraced |
| 29 HIGHFIELD ROAD, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5NZ | £107,500 | 29/09/2023 | Terraced |

**Area average:** £118,225 (20 sales)

## Capital growth trend

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

- **5y growth:** 4.5%
- **10y growth:** 35.5%

## House Price Index (HM Land Registry)

*Official index for North West; Terraced series; as of April 2026.*

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## Rental Range

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

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Barrow-in-Furness (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Highfield Road, LA14 | £775/mo | 2 | 0.11 miles | OpenRent |

**Average rent: £775/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.65% (weak for cashflow)
- **Max investor price (0.8%):** £96,875
- **Target investor price (1%):** £77,500

*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 £775/mo).*

- **Gross yield:** 7.8%
- **Cost-to-rent:** 12.9×
- **Monthly cashflow:** £200/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.9%

*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 | 162 |
| Shoplifting | 46 |
| Criminal damage and arson | 39 |
| Public order | 35 |
| Burglary | 18 |
| Anti-social behaviour | 17 |
| Drugs | 17 |
| Other theft | 15 |
| Possession of weapons | 8 |
| Other crime | 6 |
| Vehicle crime | 6 |
| Bicycle theft | 4 |
| Robbery | 2 |
| Theft from the person | 2 |
| **Total incidents** | **377** |

*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 |
|------|------|----------|--------|
| Victoria Infant and Nursery School | Primary | 0.2 miles | Good — 13 Mar 2018 |
| Victoria Academy | Primary | 0.3 miles | Outstanding — 28 Apr 2024 |
| St Paul's CofE Junior School | Primary | 0.5 miles | Good — 16 Jul 2014 |
| Ramsden Infant School | Primary | 0.6 miles | Good — 25 Jan 2023 |
| St James' CofE Junior School | Primary | 0.6 miles | Good — 23 Apr 2012 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #3411308
- **Address:** 42 Harrogate Street, BARROW-IN-FURNESS, LA14 5LY
- **Certificate Issued:** 23/01/2006
- **Work Completed:** 12/12/2005
- **Items:** 4 window(s), 2 door(s)