# 3 bedroom house for sale (CA25 5SB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 173 MILL HILL, CLEATOR MOOR, CUMBERLAND CA25 5SB |
| Price | £85,000 |
| Bedrooms | 3 |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 79 m² |
| Last sold | £110,000 Jun 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 06/03/2033
- **Current heating cost:** £1,026/year
- **Est. upgrade cost to C:** £10,615

### Recommendations
- B (£500 - £1,500)
- D (£80 - £120)
- E (£15)
- 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/2312-7948-9420-3169-1731)

## Description

A three bedroom mid link house having central heating, double glazing & garden situated on a residential estate within Cleator Moor. Suit first time buyer.

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 173 MILL HILL, CLEATOR MOOR, CUMBERLAND, CA25 5SB | £110,000 | 08/06/2023 | 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 |
|---------|-------|------|------|
| [Same street] 169 MILL HILL, CLEATOR MOOR, CUMBERLAND, CA25 5SB | £90,000 | 29/03/2023 | Terraced |
| [Same street] 159 MILL HILL, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5SB | £115,000 | 05/09/2022 | Terraced |

**Street average:** £102,500 (2 sales)

## Price vs local average

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

- **Local average:** £57,500 (2 Other, CA25, 2024–2026)
- **Deviation:** +47.8%

## Rental Range

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

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £549/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 |
|------|------|------|------|------|
| 3 Bed Terraced House, Mill Hill, CA25 | £542/mo | 3 | 0.02 miles | OpenRent |
| 3 Bed Terraced House, Highfield Road, CA25 | £850/mo | 3 | 0.86 miles | OpenRent |
| 3 Bed Flat, Ennerdale Road, CA25 | £1,733/mo | 3 | 1.03 miles | OpenRent |
| 3 Bed Terraced House, Orchard Place, CA25 | £795/mo | 3 | 1.07 miles | OpenRent |

**Average rent: £980/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.97% (okay)
- **Max investor price (0.8%):** £102,875
- **Target investor price (1%):** £82,300

*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 £823/mo).*

- **Gross yield:** 11.6%
- **Cost-to-rent:** 8.6×
- **Monthly cashflow:** £381/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 18.5%

*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:** £1,076/m²

## House Price Index (HM Land Registry)

*Official index for North West; All dwelling types series; as of March 2026.*

- **1y growth (index):** -0.8%
- **5y growth (index):** 22%
- **10y growth (index):** 63.2%

## 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)