Terraced

20 MILL STREET

WHITEHAVEN, CUMBERLAND, CA28 7QS

£140,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA28 7QS

Nearby

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

Type	Name	Distance
Shop	Billie's Beauty	0.1 miles
Bus stop	Market Place (South Bound)	0.1 miles
Train station	Corkickle	0.4 miles
Hospital	West Cumberland Hospital	1.5 miles
University	UCLan Westlakes Campus	2.3 miles

Property details

Tenure

Freehold

Property type

Terraced

Last sold

£140,000 Feb 2026

Local average

£130,507 (27 sales)

Street crime

135 incidents within 1 mile (Apr 2026)

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	27/02/2026	£140,000	Terraced	—	£138,875 to March 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

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

Address	Price	Date	Type
19 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS	£140,000	12/12/2025	Terraced
25 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS	£50,000	28/04/2023	Terraced
3 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS	£55,000	09/09/2022	Terraced
11 RICHMOND TERRACE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QR	£180,000	24/06/2022	Terraced
4 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS	£50,000	05/05/2022	Terraced
30 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS	£118,000	06/08/2021	Terraced
22 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS	£85,000	30/07/2021	Terraced

Area average: £96,857 (7 sales)

For sale comparables

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

Capital growth trend

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

5y growth 56.8%

10y growth 71.7%

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

1y (index) -1%

5y (index) 24.4%

10y (index) 69.9%

Rental Range

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

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for West Cumbria: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Flat, Market Place, CA28	£650/mo	2	0.19 miles	OpenRent

Average rent: £650/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.46%

Max investor price (0.8%) £81,250

Target investor price (1%) £65,000

Gross yield 5.6%

Cost-to-rent ratio 17.9×

Monthly cashflow £9/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.3%

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	54
Criminal damage and arson	16
Public order	14
Anti-social behaviour	12
Drugs	11
Shoplifting	11
Other theft	6
Burglary	3
Other crime	3
Vehicle crime	2
Bicycle theft	1
Possession of weapons	1
Theft from the person	1
Total incidents	135

Within 1 mile during Apr 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 Begh's Catholic Junior School	Primary	0.2 miles	Good — 18 Sep 2018
Monkwray Junior School	Primary	0.4 miles	Good — 2 Apr 2013
St James' CofE Infant and Nursery School	Primary	0.4 miles	Good — 2 Apr 2014
St James' CofE Junior School	Primary	0.5 miles	Good — 23 May 2016
St Gregory and St Patrick's Catholic Infant School	Primary	0.7 miles	Good — 7 May 2024

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
27/04/2009	09/04/2009	4	—

# 20 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS

## Property details

- Slug: `c36c508` (address key hash: `c36c508aa318b54a437eacac8877c4cedcc6c237`)
- Postcode: CA28 7QS
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Last sold: £140,000 Feb 2026
- Local average: £130,507 (27 sales)
- Street crime: 135 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £140,000
- Date: 2026-02-27
- Type: T
- Tenure: F

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-27 | £140,000 | Terraced | — | £138,875 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-f1b1-8922-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 |
|---------|-------|------|------|
| 20 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS | £140,000 | 27/02/2026 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 19 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS | £140,000 | 12/12/2025 | Terraced |
| 25 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS | £50,000 | 28/04/2023 | Terraced |
| 3 MILL STREET, WHITEHAVEN, CUMBERLAND, CA28 7QS | £55,000 | 09/09/2022 | Terraced |
| 11 RICHMOND TERRACE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QR | £180,000 | 24/06/2022 | Terraced |
| 4 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS | £50,000 | 05/05/2022 | Terraced |
| 30 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS | £118,000 | 06/08/2021 | Terraced |
| 22 MILL STREET, WHITEHAVEN, COPELAND, CUMBRIA, CA28 7QS | £85,000 | 30/07/2021 | Terraced |

**Area average:** £96,857 (7 sales)

## Capital growth trend

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

- **5y growth:** 56.8%
- **10y growth:** 71.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1%
- **5y growth (index):** 24.4%
- **10y growth (index):** 69.9%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Cumbria (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Market Place, CA28 | £650/mo | 2 | 0.19 miles | OpenRent |

**Average rent: £650/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.46% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*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 £650/mo).*

- **Gross yield:** 5.6%
- **Cost-to-rent:** 17.9×
- **Monthly cashflow:** £9/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.3%

*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 | 54 |
| Criminal damage and arson | 16 |
| Public order | 14 |
| Anti-social behaviour | 12 |
| Drugs | 11 |
| Shoplifting | 11 |
| Other theft | 6 |
| Burglary | 3 |
| Other crime | 3 |
| Vehicle crime | 2 |
| Bicycle theft | 1 |
| Possession of weapons | 1 |
| Theft from the person | 1 |
| **Total incidents** | **135** |

*Within 1 mile during Apr 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 Begh's Catholic Junior School | Primary | 0.2 miles | Good — 18 Sep 2018 |
| Monkwray Junior School | Primary | 0.4 miles | Good — 2 Apr 2013 |
| St James' CofE Infant and Nursery School | Primary | 0.4 miles | Good — 2 Apr 2014 |
| St James' CofE Junior School | Primary | 0.5 miles | Good — 23 May 2016 |
| St Gregory and St Patrick's Catholic Infant School | Primary | 0.7 miles | Good — 7 May 2024 |

## FENSA Certificates

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

### FENSA Certificate #6495814
- **Address:** 20 Mill Street, WHITEHAVEN, CA28 7QS
- **Certificate Issued:** 27/04/2009
- **Work Completed:** 09/04/2009
- **Items:** 4 window(s)