# 20 - 22 APARTMENT 32 MILL STREET, BRADFORD, WEST YORKSHIRE, BD1 4AB

## Property details

- Slug: `cc0df4a` (address key hash: `cc0df4a2fdf91cc9836c47e13a0ed6d39c6f0201`)
- Postcode: BD1 4AB
- Transactions on record: 2

- Tenure: Leasehold
- Property type: Flat
- Bedrooms: 2
- Bathrooms: 2
- Last sold: £57,500 Mar 2026
- Local average: £84,434 (49 sales)
- Street crime: 1199 incidents within 1 mile (May 2026)

## Latest sale

- Price: £57,500
- Date: 2026-03-05
- Type: F
- Tenure: L

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-05 | £57,500 | Flat | -62.7% | £57,936 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-f306-8922-e063-4804a8c094d0) |
| Sold | 2004-12-13 | £153,950 | Flat | — | £233,784 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/67880e05-4ebe-446b-b0e0-7ab1720b452b) |

*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 - 22 APARTMENT 32 MILL STREET, BRADFORD, WEST YORKSHIRE, BD1 4AB | £57,500 | 05/03/2026 | Flat |
| 20 - 22 APARTMENT 32 MILL STREET, BRADFORD, WEST YORKSHIRE, BD1 4AB | £153,950 | 13/12/2004 | Flat |

## Historic listings

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

- Matched listing: [164811251](http://87.117.209.195:8080/listings/90cb772)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £57,500 |
| listed | 2025-07-22 | £60,000 |
| sold | 2004-01-01 | £153,950 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 - 22 APARTMENT 14 MILL STREET, BRADFORD, WEST YORKSHIRE, BD1 4AB | £52,000 | 24/08/2022 | Flat |
| THE JOHN GREEN BUILDING, 27 APARTMENT 7 BOLTON ROAD, BRADFORD, WEST YORKSHIRE, BD1 4DR | £36,500 | 24/03/2022 | Flat |
| 20 - 22 APARTMENT 35 MILL STREET, BRADFORD, WEST YORKSHIRE, BD1 4AB | £32,000 | 11/08/2021 | Flat |

**Area average:** £40,167 (3 sales)

## Capital growth trend

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

- **5y growth:** 12.4%
- **10y growth:** 48.7%

## House Price Index (HM Land Registry)

*Official index for Bradford; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** 0.6%
- **5y growth (index):** 14.7%
- **10y growth (index):** 40.1%

## Rental Range

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

- **Low:** £671/mo
- **Realistic:** £746/mo
- **Optimistic:** £821/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Bradford & South Dales (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 Flat, Conditioning House, BD1 | £800/mo | 2 | 0.24 miles | OpenRent |
| 2 Bed Flat, Conditioning House, BD1 | £895/mo | 2 | 0.24 miles | OpenRent |
| 2 Bed Flat, Conditioning House Cape Street, BD1 | £2,350/mo | 2 | 0.24 miles | OpenRent |

**Average rent: £1,348/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 1.56% (strong)
- **Max investor price (0.8%):** £111,875
- **Target investor price (1%):** £89,500

*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 £895/mo).*

- **Gross yield:** 18.7%
- **Cost-to-rent:** 5.4×
- **Monthly cashflow:** £554/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 39.9%

*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 | 453 |
| Drugs | 106 |
| Public order | 103 |
| Other theft | 93 |
| Criminal damage and arson | 82 |
| Anti-social behaviour | 77 |
| Vehicle crime | 74 |
| Shoplifting | 73 |
| Burglary | 41 |
| Other crime | 32 |
| Robbery | 29 |
| Theft from the person | 14 |
| Possession of weapons | 13 |
| Bicycle theft | 9 |
| **Total incidents** | **1199** |

*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 |
|------|------|----------|--------|
| Training and Skills Centre | Other | 0.3 miles | Inadequate — 1 Mar 2023 |
| Westminster Church of England Primary Academy | Primary | 0.5 miles | Good — 19 Oct 2023 |
| Carlton Bolling | Secondary | 0.5 miles | Outstanding — 16 Nov 2017 |
| Barkerend Primary Leadership Academy | Primary | 0.6 miles | Outstanding — 11 Jun 2019 |
| Feversham Girls' Secondary Academy | Secondary | 0.6 miles | Outstanding — 5 May 2022 |