Sold Terraced

Lord Street

MILLOM, LA18 4BN

2 beds 1 baths Listed 9 Sep 2025 (-279d)

£69,500

Save

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

## Property Details

| Key | Value |
|-----|-------|
| Address | Lord Street, MILLOM, LA18 4BN |
| Price | £69,500 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £50,000 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 30/10/2032
- **Current heating cost:** £707/year
- **Est. upgrade cost to C:** £24,755

### Recommendations
- A (£100 - £350)
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- E (£30)
- 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/6512-9120-2019-1059-3272)

## Description

EPC Rating D

Council Tax Band A

**Lounge** 3.63m (11' 11") x 2.87m (9' 5")

Upvc door opens into the lounge which is decorated in contemporary greys and whites with contrasting grey carpet. Media wall with inset fire and space for television. Upvc double glazed window to the front elevation and radiator. Door to the dining room.

**Dining Room** 3.53m (11' 7") x 3.85m (12' 8")

Neutral decoration with feature papered chimney breast, Upvc window to the rear elevation with views into the patio yard area. Central ceiling light and radiator.Large understairs storage cupboard and stairs to the first floor. Open to the kitchen.

**Kitchen** 2.87m (9' 5") x 1.69m (5' 7")

Fitted with a range of white base and wall units, sink with drainer and space for appliances. Upvc double glazed window to the side elevation and wall mounted boiler. Open to the rear hallway.

**Rear Hall**

Upvc door to the rear patio yard.

**Bathroom** 1.59m (5' 3") x 1.60m (5' 3")

Downstairs bathroom with bath, sink and wc. Panelled and tiled walls, downlights and Upvc opaque window to the side elevation.

**Stairs To First Floor**

Stairs from the dining area lead to the first landing.

**Bedroom One** 3.64m (11' 11") x 3.60m (11' 10")

A good sized double bedroom with Upvc window to the front elevation, neutral decoration, radiator and built in storage cupboard.

**Bedroom Two** 3.57m (11' 9") x 3.86m (12' 8")

Bedroom Two is also another double bedroom with neutral decoration and Upvc window to the rear elevation.

**Outside**

Access from the rear hallway into the pato yard which is walled and gated with access to the rear service lane.

## Property Photos

- ![Main Picture](/listings/photos/166762763/498155) - Main Picture
- ![Lounge](/listings/photos/166762763/498159) - Lounge
- ![Dining Room](/listings/photos/166762763/498165) - Dining Room
- ![Kitchen](/listings/photos/166762763/498168) - Kitchen
- ![Rear Hall](/listings/photos/166762763/498173) - Rear Hall
- ![Bathroom](/listings/photos/166762763/498176) - Bathroom
- ![Stairs To First](/listings/photos/166762763/498181) - Stairs To First
- ![Bedroom One](/listings/photos/166762763/498185) - Bedroom One
- ![Bedroom Two](/listings/photos/166762763/498190) - Bedroom Two
- ![Outside](/listings/photos/166762763/498193) - Outside

## EPC Graphs

- ![EPC](/listings/photos/166762763/498200) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
|  | £50,000 | 01/01/2023 | — |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 32 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JF | £130,000 | 28/11/2025 | Terraced |
| 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 |
| 191 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JP | £80,000 | 06/12/2023 | 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 |
| 18 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JF | £110,000 | 08/08/2023 | 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 |
| 201 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JP | £84,000 | 03/05/2023 | 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 |
| [Same street] 48 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £50,000 | 16/03/2023 | Terraced |
| [Same street] 53 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN | £50,000 | 10/03/2023 | 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:** £73,800 (20 sales)

## Price vs local average

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

- **Local average:** £129,639 (18 Terraced, LA18, 2024–2026)
- **Deviation:** -46.4%

## 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 | 0.14 miles | OpenRent |
| 2 Bed Terraced House, Oxford Street, LA18 | £725/mo | 2 | 0.25 miles | OpenRent |
| 2 Bed Terraced House, Lonsdale Road, LA18 | £650/mo | 2 | 0.27 miles | OpenRent |

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

## 1% Rule

- **Rent ratio:** 1.01% (strong)
- **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:** 12.1%
- **Cost-to-rent:** 8.3×
- **Monthly cashflow:** £331/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 19.7%

*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:** £965/m²

## Capital growth trend

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

- **5y growth:** 54.6%
- **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 Lounge Dining Room Kitchen Rear Hall Bathroom Stairs To First Bedroom One Bedroom Two Outside

/ 10

Property details

Tenure

FREEHOLD

EPC rating

Last sold

£50,000

Price per m²

£965/m²

Local average

£129,639 (-46.4%)

Deprivation

Decile 2 (5,351 of 33,755)

Street crime

22 incidents within 1 mile (Apr 2026)

Key features

Mid Terrace Home
Two Reception Rooms
Two Bedrooms
Kitchen
Downstairs Bathroom
Rear Yard
Viewing Highly Recommended
EPC Rating D

Additional details

Garden: Yes

Description

Home and Finance are pleased to offer for sale this mid terrace home within easy access to all the local amenities that Millom has to offer. The property briefly comprises: lounge, dining room, kitchen with rear hall access to downstairs bathroom. Upstairs are two good sized double bedrooms. Externally there is an enclosed rear yard with gated access to the service lane. A viewing is highly recommended to appreciate all this home has to offer which would suit a variety of buyers.
EPC Rating D
Council Tax Band A

Lounge 3.63m (11' 11") x 2.87m (9' 5")
Upvc door opens into the lounge which is decorated in contemporary greys and whites with contrasting grey carpet. Media wall with inset fire and space for television. Upvc double glazed window to the front elevation and radiator. Door to the dining room.

Dining Room 3.53m (11' 7") x 3.85m (12' 8")
Neutral decoration with feature papered chimney breast, Upvc window to the rear elevation with views into the patio yard area. Central ceiling light and radiator.Large understairs storage cupboard and stairs to the first floor. Open to the kitchen.

Kitchen 2.87m (9' 5") x 1.69m (5' 7")
Fitted with a range of white base and wall units, sink with drainer and space for appliances. Upvc double glazed window to the side elevation and wall mounted boiler. Open to the rear hallway.

Rear Hall
Upvc door to the rear patio yard.

Bathroom 1.59m (5' 3") x 1.60m (5' 3")
Downstairs bathroom with bath, sink and wc. Panelled and tiled walls, downlights and Upvc opaque window to the side elevation.

Stairs To First Floor
Stairs from the dining area lead to the first landing.

Bedroom One 3.64m (11' 11") x 3.60m (11' 10")
A good sized double bedroom with Upvc window to the front elevation, neutral decoration, radiator and built in storage cupboard.

Bedroom Two 3.57m (11' 9") x 3.86m (12' 8")
Bedroom Two is also another double bedroom with neutral decoration and Upvc window to the rear elevation.

Outside
Access from the rear hallway into the pato yard which is walled and gated with access to the rear service lane.

Listed by

Millom

Home & Finance Ltd

Reference: 166762763

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 31/10/2022

Expiry date: 30/10/2032

Current heating cost: £707/year

Potential heating cost: £498/year

Est. upgrade cost to C: £24,755

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
Cavity wall insulation (£500 - £1,500)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Low energy lighting for all fixed outlets (£30)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC

Price history

Event	Date	Price	% change
Sold	01/01/2023 (3 years ago)	£50,000	—

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
32 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JF	£130,000	28/11/2025	Terraced
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
191 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JP	£80,000	06/12/2023	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
18 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JF	£110,000	08/08/2023	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
201 DEVONSHIRE ROAD, MILLOM, CUMBERLAND, LA18 4JP	£84,000	03/05/2023	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
Same street 48 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£50,000	16/03/2023	Terraced
Same street 53 LORD STREET, MILLOM, CUMBERLAND, LA18 4BN	£50,000	10/03/2023	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: £73,800 (20 sales)

Capital growth trend

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

5y growth 54.6%

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

Address

13 Furness Street

Nearby

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

Type	Name	Distance
Hospital	Millom Community Hospital	0.3 miles
Bus stop	Park View School	0.3 miles
Shop	JT Atkinson	0.3 miles
Bus stop	Market Square	0.4 miles
Train station	Millom	0.4 miles
Train station	Green Road	2.5 miles
Shop	Tamar Guntrip Beauty Specialist	2.5 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	0.2 miles	Good — 14 Oct 2014
Millom Infant School	Primary	0.3 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	0.7 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	0.14 miles	OpenRent
2 Bed Terraced House, Oxford Street, LA18	£725/mo	2	0.25 miles	OpenRent
2 Bed Terraced House, Lonsdale Road, LA18	£650/mo	2	0.27 miles	OpenRent

Average rent: £692/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.01%

Max investor price (0.8%) £87,500

Target investor price (1%) £70,000

Gross yield 12.1%

Cost-to-rent ratio 8.3×

Monthly cashflow £331/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 19.7%

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).