# 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:** 51.7%
- **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)