Terraced

8 THE TERRACE

LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EH

£193,000

Location

Map view View on Google Maps View on OpenStreetMap Street View LA2 7EH

Nearby

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

Type	Name	Distance
Shop	R & E Taylor	0.1 miles
Bus stop	Tamara	0.4 miles
Train station	Bentham	1.2 miles
Hospital	Castleberg Hospital	10.6 miles
University	University of Cumbria, Lancaster Campus	11.5 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

74 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£193,000 Mar 2026

Price per m²

£2,608/m²

Local average

£209,781 (8 sales)

Street crime

2 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: F

Potential rating: B

Inspection date: 26/09/2024

Expiry date: 25/09/2034

Current heating cost: £2,580/year

Potential heating cost: £799/year

Est. upgrade cost to C: £27,100

EPC F or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
High heat retention storage heaters and dual immersion cylinder (£1,200 - £1,800)
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	02/03/2026	£193,000	Terraced	—	£193,175 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	£193,000
listed	04/04/2025	£200,000
sold	01/01/2005	£140,000
sold	01/01/2001	£57,000
sold	01/01/1998	£42,000

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
BANK VIEW 3 BURTON ROAD, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7DZ	£390,000	17/11/2023	Terraced
8 CHEAPSIDE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EJ	£223,000	15/06/2023	Terraced
GREEN HEAD COTTAGE 3 CROSS LANE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7ES	£188,000	26/05/2023	Terraced
6 VICTORIA BUILDINGS, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EL	£256,000	05/05/2023	Terraced
5 HARLEY CLOSE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7HD	£240,000	20/04/2023	Terraced
OLDFIELD COTTAGE 1 STONEGATE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DX	£150,000	04/10/2022	Terraced
ROSE COTTAGES 4 MILL LANE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DA	£135,000	09/09/2022	Terraced
28 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DR	£145,000	25/07/2022	Terraced
7 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF	£225,000	01/07/2022	Terraced
10 GREENFOOT LANE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7HB	£295,000	24/06/2022	Terraced
33 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BZ	£170,000	06/05/2022	Terraced
BORRANS COTTAGES 3 BURTON ROAD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7EB	£175,000	25/02/2022	Terraced
26 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DR	£130,000	16/11/2021	Terraced
29 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BZ	£215,000	05/11/2021	Terraced
20 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF	£225,000	22/10/2021	Terraced
BAYNES COTTAGES 2 BURTON ROAD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7EG	£163,000	03/09/2021	Terraced
22 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF	£258,950	20/08/2021	Terraced
17 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF	£225,000	12/08/2021	Terraced
DAWSON COTTAGE BURTON ROAD, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EB	£202,000	04/08/2021	Terraced

Area average: £211,103 (19 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 -19.6%

10y growth 4.4%

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

1y (index) 9.1%

5y (index) 24.1%

10y (index) 51.3%

Rental Range

Estimated market rent for Yorkshire and The Humber. Low = conservative, Realistic = average, Optimistic = best case.

Low £770/mo

Realistic £856/mo

Optimistic £942/mo

Based on Region from postcode lookup → Yorkshire and The Humber.

LHA (30th percentile) floor for Lancaster: 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 End Terrace, Baynes Cottages, LA2	£925/mo	2	0.02 miles	OpenRent

Average rent: £925/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.48%

Max investor price (0.8%) £115,625

Target investor price (1%) £92,500

Gross yield 5.8%

Cost-to-rent ratio 17.4×

Monthly cashflow £47/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 1%

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
Anti-social behaviour	1
Violence and sexual offences	1
Total incidents	2

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
Stonegate School	Other	0.2 miles	Good — 22 Jan 2023
Cedar House School	Other	0.4 miles	Good — 21 Sep 2022
Bentham Community Primary School	Primary	0.8 miles	Good — 19 Jan 2023
Tatham Fells Church of England Voluntary Controlled Primary School	Primary	2.9 miles	Good — 13 Dec 2018
Melling St Wilfrid Church of England Primary School	Primary	3.1 miles	Good — 12 Sep 2012

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 8 THE TERRACE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EH

## Property details

- Slug: `71a8c0e` (address key hash: `71a8c0e262aca5688c05823397114e1431ddcec8`)
- Postcode: LA2 7EH
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 74 m²
- EPC rating: F
- Year built: England and Wales: before 1900
- Last sold: £193,000 Mar 2026
- Price per m²: £2,608/m²
- Local average: £209,781 (8 sales)
- Street crime: 2 incidents within 1 mile (May 2026)

## Latest sale

- Price: £193,000
- Date: 2026-03-02
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** B
- **Expiry date:** 25/09/2034
- **Current heating cost:** £2,580/year
- **Est. upgrade cost to C:** £27,100

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- L2 (£1,200 - £1,800)
- 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/2562-3042-5201-3344-5204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-02 | £193,000 | Terraced | — | £193,175 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-8b5e-8922-e063-4804a8c094d0) |

*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 |
|---------|-------|------|------|
| 8 THE TERRACE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EH | £193,000 | 02/03/2026 | Terraced |

## Historic listings

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

- Matched listing: [160270709](http://87.117.209.195:8080/listings/bcb9b07)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £193,000 |
| listed | 2025-04-04 | £200,000 |
| sold | 2005-01-01 | £140,000 |
| sold | 2001-01-01 | £57,000 |
| sold | 1998-01-01 | £42,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| BANK VIEW 3 BURTON ROAD, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7DZ | £390,000 | 17/11/2023 | Terraced |
| 8 CHEAPSIDE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EJ | £223,000 | 15/06/2023 | Terraced |
| GREEN HEAD COTTAGE 3 CROSS LANE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7ES | £188,000 | 26/05/2023 | Terraced |
| 6 VICTORIA BUILDINGS, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EL | £256,000 | 05/05/2023 | Terraced |
| 5 HARLEY CLOSE, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7HD | £240,000 | 20/04/2023 | Terraced |
| OLDFIELD COTTAGE 1 STONEGATE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DX | £150,000 | 04/10/2022 | Terraced |
| ROSE COTTAGES 4 MILL LANE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DA | £135,000 | 09/09/2022 | Terraced |
| 28 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DR | £145,000 | 25/07/2022 | Terraced |
| 7 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF | £225,000 | 01/07/2022 | Terraced |
| 10 GREENFOOT LANE, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7HB | £295,000 | 24/06/2022 | Terraced |
| 33 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BZ | £170,000 | 06/05/2022 | Terraced |
| BORRANS COTTAGES 3 BURTON ROAD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7EB | £175,000 | 25/02/2022 | Terraced |
| 26 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7DR | £130,000 | 16/11/2021 | Terraced |
| 29 MAIN STREET, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BZ | £215,000 | 05/11/2021 | Terraced |
| 20 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF | £225,000 | 22/10/2021 | Terraced |
| BAYNES COTTAGES 2 BURTON ROAD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7EG | £163,000 | 03/09/2021 | Terraced |
| 22 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF | £258,950 | 20/08/2021 | Terraced |
| 17 MILLERS FORD, LOWER BENTHAM, LANCASTER, CRAVEN, NORTH YORKSHIRE, LA2 7BF | £225,000 | 12/08/2021 | Terraced |
| DAWSON COTTAGE BURTON ROAD, LOWER BENTHAM, LANCASTER, NORTH YORKSHIRE, LA2 7EB | £202,000 | 04/08/2021 | Terraced |

**Area average:** £211,103 (19 sales)

## Capital growth trend

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

- **5y growth:** -19.6%
- **10y growth:** 4.4%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Terraced series; as of April 2026.*

- **1y growth (index):** 9.1%
- **5y growth (index):** 24.1%
- **10y growth (index):** 51.3%

## Rental Range

*ONS Price Index of Private Rents (Yorkshire and The Humber). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £770/mo
- **Realistic:** £856/mo
- **Optimistic:** £942/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Lancaster (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 End Terrace, Baynes Cottages, LA2 | £925/mo | 2 | 0.02 miles | OpenRent |

**Average rent: £925/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.48% (weak for cashflow)
- **Max investor price (0.8%):** £115,625
- **Target investor price (1%):** £92,500

*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 £925/mo).*

- **Gross yield:** 5.8%
- **Cost-to-rent:** 17.4×
- **Monthly cashflow:** £47/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1%

*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 |
|----------|-------|
| Anti-social behaviour | 1 |
| Violence and sexual offences | 1 |
| **Total incidents** | **2** |

*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 |
|------|------|----------|--------|
| Stonegate School | Other | 0.2 miles | Good — 22 Jan 2023 |
| Cedar House School | Other | 0.4 miles | Good — 21 Sep 2022 |
| Bentham Community Primary School | Primary | 0.8 miles | Good — 19 Jan 2023 |
| Tatham Fells Church of England Voluntary Controlled Primary School | Primary | 2.9 miles | Good — 13 Dec 2018 |
| Melling St Wilfrid Church of England Primary School | Primary | 3.1 miles | Good — 12 Sep 2012 |