Terraced

102 ALBERT STREET

MILLOM, CUMBERLAND, LA18 4AD

£83,500

Location

Map view View on Google Maps View on OpenStreetMap Street View LA18 4AD

Nearby

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

Type	Name	Distance
Shop	JT Atkinson	0.2 miles
Hospital	Millom Community Hospital	0.2 miles
Bus stop	Market Square	0.2 miles
Train station	Millom	0.2 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

71 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£83,500 Apr 2026

Price per m²

£1,176/m²

Local average

£126,220 (25 sales)

Street crime

35 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 21/04/2021

Expiry date: 20/04/2031

Current heating cost: £467/year

Potential heating cost: £413/year

Est. upgrade cost to C: £18,535

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Low energy lighting for all fixed outlets (£35)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	14/04/2026	£83,500	Terraced	—	£83,500 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	£83,500
listed	06/11/2025	£85,950
sold	01/01/2021	£69,500
sold	01/01/2013	£30,000

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
131 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£77,000	18/02/2026	Terraced
72 LAPSTONE ROAD, MILLOM, CUMBERLAND, LA18 4BZ	£213,500	06/10/2025	Terraced
118 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£72,000	19/08/2025	Terraced
168 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AB	£95,000	04/08/2025	Terraced
92 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£68,000	17/03/2025	Terraced
14 LONSDALE ROAD, MILLOM, CUMBERLAND, LA18 4AP	£130,000	15/12/2023	Terraced
46 LONSDALE ROAD, MILLOM, CUMBERLAND, LA18 4AP	£79,000	08/12/2023	Terraced
101 WELLINGTON STREET, MILLOM, CUMBERLAND, LA18 4DH	£59,000	23/11/2023	Terraced
122 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£74,000	17/11/2023	Terraced
108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£92,000	17/10/2023	Terraced
42 KING STREET, MILLOM, CUMBERLAND, LA18 4BD	£61,000	17/10/2023	Terraced
25 NELSON STREET, MILLOM, CUMBERLAND, LA18 4DP	£70,000	16/10/2023	Terraced
95 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£92,000	13/10/2023	Terraced
69 QUEEN STREET, MILLOM, CUMBERLAND, LA18 4DN	£50,000	05/10/2023	Terraced
30 LORD STREET, MILLOM, CUMBERLAND, LA18 4BL	£37,500	28/09/2023	Terraced
21 NELSON STREET, MILLOM, CUMBERLAND, LA18 4DP	£49,000	16/06/2023	Terraced
24 WELLINGTON STREET, MILLOM, CUMBERLAND, LA18 4DE	£90,000	09/05/2023	Terraced
5 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DR	£77,500	27/04/2023	Terraced
116 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£58,000	06/04/2023	Terraced
108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£44,000	31/03/2023	Terraced

Area average: £79,425 (20 sales)

For sale comparables

Active for-sale listings within 1 mile, matched to the same property type and bedroom count.

Address	Price	Beds	Type	Distance
Wellington Street, MILLOM	£75,000	2	Terraced	0.14 mi

Capital growth trend

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

5y growth 58.9%

10y growth 11.4%

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 £865/mo

Realistic £961/mo

Optimistic £1,057/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, Lord St, LA18	£700/mo	2	0.06 miles	OpenRent
2 Bed Terraced House, Lonsdale Road, LA18	£650/mo	2	0.1 miles	OpenRent
2 Bed Terraced House, Oxford Street, LA18	£725/mo	2	0.28 miles	OpenRent
2 Bed Terraced House, Newton Terrace, LA18	£650/mo	2	0.5 miles	OpenRent

Average rent: £681/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.81%

Max investor price (0.8%) £84,375

Target investor price (1%) £67,500

Gross yield 9.7%

Cost-to-rent ratio 10.3×

Monthly cashflow £254/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 12.6%

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	19
Drugs	4
Other crime	4
Public order	3
Criminal damage and arson	2
Shoplifting	2
Burglary	1
Total incidents	35

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
St James' Catholic Primary School	Primary	0.1 miles	Good — 14 Oct 2014
Millom Infant School	Primary	0.2 miles	Inadequate — 24 Sep 2023
Millom School	Secondary	0.3 miles	Good — 14 Jul 2022
Parkview Nursery School	Nursery	0.3 miles	Good — 11 Dec 2014
Black Combe Junior School	Primary	0.5 miles	Requires improvement — 10 Sep 2024

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
07/09/2004	16/08/2004	3	1

# 102 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD

## Property details

- Slug: `6cc7425` (address key hash: `6cc7425961b721d3fb74fea5cff0c6f348a1c210`)
- Postcode: LA18 4AD
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 2
- Floor area: 71 m²
- EPC rating: C
- Year built: England and Wales: 1900-1929
- Last sold: £83,500 Apr 2026
- Price per m²: £1,176/m²
- Local average: £126,220 (25 sales)
- Street crime: 35 incidents within 1 mile (May 2026)

## Latest sale

- Price: £83,500
- Date: 2026-04-14
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 20/04/2031
- **Current heating cost:** £467/year
- **Est. upgrade cost to C:** £18,535

### Recommendations
- Q (£4,000 - £14,000)
- E (£35)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0739-4724-8000-0079-5226)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-04-14 | £83,500 | Terraced | — | £83,500 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b83-d2f2-b8d0-e063-4704a8c08d98) |

*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 |
|---------|-------|------|------|
| 102 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £83,500 | 14/04/2026 | Terraced |

## Historic listings

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

- Matched listing: [169064021](http://87.117.209.195:8080/listings/a4b2e79)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £83,500 |
| listed | 2025-11-06 | £85,950 |
| sold | 2021-01-01 | £69,500 |
| sold | 2013-01-01 | £30,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 131 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £77,000 | 18/02/2026 | Terraced |
| 72 LAPSTONE ROAD, MILLOM, CUMBERLAND, LA18 4BZ | £213,500 | 06/10/2025 | Terraced |
| 118 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £72,000 | 19/08/2025 | Terraced |
| 168 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AB | £95,000 | 04/08/2025 | Terraced |
| 92 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £68,000 | 17/03/2025 | Terraced |
| 14 LONSDALE ROAD, MILLOM, CUMBERLAND, LA18 4AP | £130,000 | 15/12/2023 | Terraced |
| 46 LONSDALE ROAD, MILLOM, CUMBERLAND, LA18 4AP | £79,000 | 08/12/2023 | Terraced |
| 101 WELLINGTON STREET, MILLOM, CUMBERLAND, LA18 4DH | £59,000 | 23/11/2023 | Terraced |
| 122 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £74,000 | 17/11/2023 | Terraced |
| 108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £92,000 | 17/10/2023 | Terraced |
| 42 KING STREET, MILLOM, CUMBERLAND, LA18 4BD | £61,000 | 17/10/2023 | Terraced |
| 25 NELSON STREET, MILLOM, CUMBERLAND, LA18 4DP | £70,000 | 16/10/2023 | Terraced |
| 95 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £92,000 | 13/10/2023 | Terraced |
| 69 QUEEN STREET, MILLOM, CUMBERLAND, LA18 4DN | £50,000 | 05/10/2023 | Terraced |
| 30 LORD STREET, MILLOM, CUMBERLAND, LA18 4BL | £37,500 | 28/09/2023 | Terraced |
| 21 NELSON STREET, MILLOM, CUMBERLAND, LA18 4DP | £49,000 | 16/06/2023 | Terraced |
| 24 WELLINGTON STREET, MILLOM, CUMBERLAND, LA18 4DE | £90,000 | 09/05/2023 | Terraced |
| 5 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DR | £77,500 | 27/04/2023 | Terraced |
| 116 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £58,000 | 06/04/2023 | Terraced |
| 108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £44,000 | 31/03/2023 | Terraced |

**Area average:** £79,425 (20 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type and bedroom count.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Wellington Street, MILLOM](http://87.117.209.195:8080/listings/63b3725) | £75,000 | 2 | Terraced | 0.14 mi |

## Capital growth trend

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

- **5y growth:** 58.9%
- **10y growth:** 11.4%

## 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:** £865/mo
- **Realistic:** £961/mo
- **Optimistic:** £1,057/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, Lord St, LA18 | £700/mo | 2 | 0.06 miles | OpenRent |
| 2 Bed Terraced House, Lonsdale Road, LA18 | £650/mo | 2 | 0.1 miles | OpenRent |
| 2 Bed Terraced House, Oxford Street, LA18 | £725/mo | 2 | 0.28 miles | OpenRent |
| 2 Bed Terraced House, Newton Terrace, LA18 | £650/mo | 2 | 0.5 miles | OpenRent |

**Average rent: £681/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.81% (okay)
- **Max investor price (0.8%):** £84,375
- **Target investor price (1%):** £67,500

*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 £675/mo).*

- **Gross yield:** 9.7%
- **Cost-to-rent:** 10.3×
- **Monthly cashflow:** £254/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 12.6%

*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 | 19 |
| Drugs | 4 |
| Other crime | 4 |
| Public order | 3 |
| Criminal damage and arson | 2 |
| Shoplifting | 2 |
| Burglary | 1 |
| **Total incidents** | **35** |

*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 |
|------|------|----------|--------|
| St James' Catholic Primary School | Primary | 0.1 miles | Good — 14 Oct 2014 |
| Millom Infant School | Primary | 0.2 miles | Inadequate — 24 Sep 2023 |
| Millom School | Secondary | 0.3 miles | Good — 14 Jul 2022 |
| Parkview Nursery School | Nursery | 0.3 miles | Good — 11 Dec 2014 |
| Black Combe Junior School | Primary | 0.5 miles | Requires improvement — 10 Sep 2024 |

## FENSA Certificates

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

### FENSA Certificate #2023592
- **Address:** 102 Albert Street, Millom, LA18 4AD
- **Certificate Issued:** 07/09/2004
- **Work Completed:** 16/08/2004
- **Items:** 3 window(s), 1 door(s)