# 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

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.

## 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:** 40.6%
- **10y growth:** 87.5%

## 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)