Sold STC Terraced

42 LORD STREET

MILLOM, CUMBRIA LA18 4BN

2 beds 2 baths 807 sq ft Listed 30 Jan 2026 (-134d)

£74,950

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# 2 bedroom terraced house for sale (LA18 4BN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 42 LORD STREET, MILLOM, CUMBRIA LA18 4BN |
| Price | £74,950 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | A |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 75 m² |
| Last sold | £56,000 Oct 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 31/10/2026
- **Current heating cost:** £610/year
- **Est. upgrade cost to C:** £25,500

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0498-2959-7279-4486-1990)

## Description

A viewing is highly recommended to appreciate all this lovely ready to move into home has too offer.

EPC Rating D

Council Tax Band A

**Entrance Vestibule**

Upvc front door with oval glazed feature panel opens into the entrance vestibule.  Glazed panel door leads into the open plan lounge/dining area.

**Open Plan Lounge/Dining Room** 3.76m (12'4") x 6.91m (22'8")

This neutrally decorated open plan lounge/dining area has dual aspect windows which allows the room to make the most of the natural light, with feature fireplace with inset gas fire to the lounge area, two radiators and two ceiling lights. Open staircase to the first floor and doorway to the kitchen. There is also a large understairs storage cupboard which is a great addition.

**Kitchen** 4.62m (15'2") x 1.96m (6'5")

The kitchen is fitted with a range of pale wood effect base and wall units including display cabinets and  contrasting dark worktops.  Built in eye level oven and grill, with hob and extractor fan, stainless steel sink and drainer and free standing dishwasher.  Upvc window to the side elevation and Upvc part glazed door to the rear yard.

**Downstairs Bathroom** 2.57m (8'5") x 1.93m (6'4")

Door from the kitchen opening into the downstairs bathroom, which is low maintenance with fully tiled walls and floor, white panel ceiling with light. White three piece including bath, sink and wc. Wall mounted boiler, Upvc opaque window to the side elevation.

**Stairs To First Floor Landing**

Open staircase from the dining area leads to the first floor landing, where there is access to the boarded and well insulated spacious loft with retractable ladder.

**Bedroom** 2.95m (9'8") x 3.43m (11'3")

This lovely double bedroom with Upvc window to the front elevation. High ceiling with central ceiling light and radiator.

**Bedroom** 2.95m (9'8") x 2.44m (8'0")

This neutrally decorated double bedroom with Upvc window to the rear elevation, wall mounted radiator and doorway leading to the en suite dressing room.

**Dressing Room** 1.63m (5'4") x 2.24m (7'4")

This is such a versatile space making it an ideal dressing room or for those that work from home it could make a perfect office.

**Shower Room** 2.24m (7'4") x 1.37m (4'6")

Door to the en suite shower room which benefits  from a quadrant shower cubicle, combined 2 in 1 toilet and sink. Natural coloured wall panelling and white ceiling panelling, radiator and Upvc window to the side elevation.

**Outside**

Walled and gated rear patio yard.

## Property Photos

- ![Main Picture](/listings/photos/171636095/498178) - Main Picture
- ![Entrance Vestibule](/listings/photos/171636095/498182) - Entrance Vestibule
- ![Open Plan](/listings/photos/171636095/498186) - Open Plan
- ![Kitchen](/listings/photos/171636095/498187) - Kitchen
- ![Downstairs Bathroom](/listings/photos/171636095/498191) - Downstairs Bathroom
- ![Stairs To First](/listings/photos/171636095/498197) - Stairs To First
- ![Bedroom](/listings/photos/171636095/498199) - Bedroom
- ![Bedroom](/listings/photos/171636095/498203) - Bedroom
- ![Dressing Room](/listings/photos/171636095/498206) - Dressing Room
- ![Shower Room](/listings/photos/171636095/498209) - Shower Room
- ![Outside](/listings/photos/171636095/498211) - Outside

## EPC Graphs

- ![EPC](/listings/photos/171636095/498213) - EPC

## FENSA Certificates

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

### FENSA Certificate #5717758
- **Address:** 42 Lord Street, MILLOM, LA18 4BN
- **Certificate Issued:** 26/05/2008
- **Work Completed:** 01/03/2008
- **Items:** 7 window(s), 2 door(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 42 LORD STREET, MILLOM, COPELAND, CUMBRIA, LA18 4BN | £56,000 | 19/10/2018 | 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 |
|---------|-------|------|------|
| 118 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £72,000 | 19/08/2025 | Terraced |
| 92 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £68,000 | 17/03/2025 | 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 |
| 87 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DS | £93,000 | 19/10/2023 | Terraced |
| 42 KING STREET, MILLOM, CUMBERLAND, LA18 4BD | £61,000 | 17/10/2023 | Terraced |
| 108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £92,000 | 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 |
| [Same street] 74 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £95,000 | 03/10/2023 | 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 |
| 67 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DS | £45,000 | 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 |
| 69 HOPE STREET, MILLOM, CUMBERLAND, LA18 4JW | £74,000 | 05/04/2023 | Terraced |
| 108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD | £44,000 | 31/03/2023 | Terraced |
| [Same street] 48 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £50,000 | 16/03/2023 | Terraced |
| 13 HOPE STREET, MILLOM, CUMBERLAND, LA18 4JW | £68,000 | 14/03/2023 | Terraced |
| [Same street] 53 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £50,000 | 10/03/2023 | Terraced |
| 44 KING STREET, MILLOM, CUMBERLAND, LA18 4DL | £82,000 | 03/03/2023 | Terraced |
| [Same street] 56 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £90,000 | 17/02/2023 | Terraced |
| [Same street] 48 LORD STREET, MILLOM, COPELAND, CUMBRIA, LA18 4BN | £50,000 | 29/04/2022 | Terraced |

**Street average:** £67,000 (5 sales)
**Area average:** £67,800 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £129,639 (18 Terraced, LA18, 2024–2026)
- **Deviation:** -42.2%

## 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 Barrow-in-Furness (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £499/mo

## 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 | 0.08 miles | OpenRent |
| 2 Bed Terraced House, Lonsdale Road, LA18 | £650/mo | 2 | 0.22 miles | OpenRent |
| 2 Bed Terraced House, Oxford Street, LA18 | £725/mo | 2 | 0.22 miles | OpenRent |

**Average rent: £692/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.93% (okay)
- **Max investor price (0.8%):** £87,500
- **Target investor price (1%):** £70,000

*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 £700/mo).*

- **Gross yield:** 11.2%
- **Cost-to-rent:** 8.9×
- **Monthly cashflow:** £310/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 17.1%

*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).*

## Price per Square Metre

- **£/m²:** £999/m²

## Capital growth trend

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

- **5y growth:** 52.4%
- **10y growth:** 95.8%

## 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%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

Main Picture Entrance Vestibule Open Plan Kitchen Downstairs Bathroom Stairs To First Bedroom Bedroom Dressing Room Shower Room Outside

/ 11

Property details

Tenure

FREEHOLD

Floor area

75 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£56,000 Oct 2018

Price per m²

£999/m²

Local average

£129,639 (-42.2%)

Deprivation

Decile 2 (5,351 of 33,755)

Street crime

22 incidents within 1 mile (Apr 2026)

Key features

Mid Terrace Home
Open Plan Lounge/Dininng Room
Kitchen
Downstairs Bathroom
Two Bedrooms
Upstairs Shower Room & Dressing Room
No Upper Chain
EPC Rating D

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas
Parking: On street
Garden: Yes

Description

Home and Finance are pleased to offer for sale this lovely two bedroom mid terrace home in a popular residential area of Millom, within easy access to all the local amenities, an excellent base for exploring the local walks and for those looking to visit the Lake District. The property briefly comprises entrance vestibule, open plan lounge/dining area, fully fitted kitchen and downstairs bathroom. The stairs lead from the lounge area to the first floor landing where there are two double bedrooms, bedroom number two benefits from its own separate dressing room and en suite shower room. While outside there is an enclosed rear yard.
A viewing is highly recommended to appreciate all this lovely ready to move into home has too offer.
EPC Rating D
Council Tax Band A

Entrance Vestibule
Upvc front door with oval glazed feature panel opens into the entrance vestibule. Glazed panel door leads into the open plan lounge/dining area.

Open Plan Lounge/Dining Room 3.76m (12'4") x 6.91m (22'8")
This neutrally decorated open plan lounge/dining area has dual aspect windows which allows the room to make the most of the natural light, with feature fireplace with inset gas fire to the lounge area, two radiators and two ceiling lights. Open staircase to the first floor and doorway to the kitchen. There is also a large understairs storage cupboard which is a great addition.

Kitchen 4.62m (15'2") x 1.96m (6'5")
The kitchen is fitted with a range of pale wood effect base and wall units including display cabinets and contrasting dark worktops. Built in eye level oven and grill, with hob and extractor fan, stainless steel sink and drainer and free standing dishwasher. Upvc window to the side elevation and Upvc part glazed door to the rear yard.

Downstairs Bathroom 2.57m (8'5") x 1.93m (6'4")
Door from the kitchen opening into the downstairs bathroom, which is low maintenance with fully tiled walls and floor, white panel ceiling with light. White three piece including bath, sink and wc. Wall mounted boiler, Upvc opaque window to the side elevation.

Stairs To First Floor Landing
Open staircase from the dining area leads to the first floor landing, where there is access to the boarded and well insulated spacious loft with retractable ladder.

Bedroom 2.95m (9'8") x 3.43m (11'3")
This lovely double bedroom with Upvc window to the front elevation. High ceiling with central ceiling light and radiator.

Bedroom 2.95m (9'8") x 2.44m (8'0")
This neutrally decorated double bedroom with Upvc window to the rear elevation, wall mounted radiator and doorway leading to the en suite dressing room.

Dressing Room 1.63m (5'4") x 2.24m (7'4")
This is such a versatile space making it an ideal dressing room or for those that work from home it could make a perfect office.

Shower Room 2.24m (7'4") x 1.37m (4'6")
Door to the en suite shower room which benefits from a quadrant shower cubicle, combined 2 in 1 toilet and sink. Natural coloured wall panelling and white ceiling panelling, radiator and Upvc window to the side elevation.

Outside
Walled and gated rear patio yard.

Listed by

Millom

Home & Finance Ltd

Reference: 171636095

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 01/11/2016

Expiry date: 31/10/2026

Current heating cost: £610/year

Potential heating cost: £451/year

Est. upgrade cost to C: £25,500

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

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #5717758

Property Details

Street: 42 Lord Street

Town: MILLOM

Postcode: LA18 4BN

Installation Details

Items: 7 windows and 2 doors

Certificate Issued: 26/05/2008

Work Completed: 01/03/2008

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	19/10/2018 (7 years ago)	£56,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
118 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£72,000	19/08/2025	Terraced
92 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£68,000	17/03/2025	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
87 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DS	£93,000	19/10/2023	Terraced
42 KING STREET, MILLOM, CUMBERLAND, LA18 4BD	£61,000	17/10/2023	Terraced
108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£92,000	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
Same street 74 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£95,000	03/10/2023	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
67 NEWTON STREET, MILLOM, CUMBERLAND, LA18 4DS	£45,000	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
69 HOPE STREET, MILLOM, CUMBERLAND, LA18 4JW	£74,000	05/04/2023	Terraced
108 ALBERT STREET, MILLOM, CUMBERLAND, LA18 4AD	£44,000	31/03/2023	Terraced
Same street 48 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£50,000	16/03/2023	Terraced
13 HOPE STREET, MILLOM, CUMBERLAND, LA18 4JW	£68,000	14/03/2023	Terraced
Same street 53 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£50,000	10/03/2023	Terraced
44 KING STREET, MILLOM, CUMBERLAND, LA18 4DL	£82,000	03/03/2023	Terraced
Same street 56 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£90,000	17/02/2023	Terraced
Same street 48 LORD STREET, MILLOM, COPELAND, CUMBRIA, LA18 4BN	£50,000	29/04/2022	Terraced

Street average: £67,000 (5 sales)

Area average: £67,800 (20 sales)

Capital growth trend

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

5y growth 52.4%

10y growth 95.8%

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 Barrow-in-Furness: £499/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View LA18 4BN

Nearby

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

Type	Name	Distance
Hospital	Millom Community Hospital	0.2 miles
Bus stop	Park View School	0.2 miles
Shop	JT Atkinson	0.3 miles
Bus stop	Market Square	0.3 miles
Train station	Millom	0.3 miles
Train station	Green Road	2.5 miles
Shop	Tamar Guntrip Beauty Specialist	2.6 miles
Hospital	Furness General Hospital	5.5 miles

Street-level crime

Category	Count
Violence and sexual offences	10
Public order	3
Shoplifting	3
Criminal damage and arson	2
Other theft	2
Drugs	1
Possession of weapons	1
Total incidents	22

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 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	0.4 miles	Good — 14 Jul 2022
Parkview Nursery School	Nursery	0.4 miles	Good — 11 Dec 2014
Black Combe Junior School	Primary	0.6 miles	Requires improvement — 10 Sep 2024

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	0.08 miles	OpenRent
2 Bed Terraced House, Lonsdale Road, LA18	£650/mo	2	0.22 miles	OpenRent
2 Bed Terraced House, Oxford Street, LA18	£725/mo	2	0.22 miles	OpenRent

Average rent: £692/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.93%

Max investor price (0.8%) £87,500

Target investor price (1%) £70,000

Gross yield 11.2%

Cost-to-rent ratio 8.9×

Monthly cashflow £310/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 17.1%

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).