# 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:** -16.2%
- **10y growth:** 9.8%

## 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 |