# 3 bedroom terraced house for sale (WN8 9EW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 5 BANKFIELD, SKELMERSDALE, LANCASHIRE WN8 9EW |
| Price | £62,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £57,500 Jun 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 03/09/2027
- **Current heating cost:** £601/year

### Recommendations
- A (350)
- W2 (6,000)
- C (30)
- E (15)
- G (450)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8863-7721-5550-1344-8902)

## Description

This three bedroom terraced house has off road, secure parking to the rear garden and is offered with no on going chain. The accommodation, which has gas central heating and double glazing throughout, some recently fitted, comprises entrance hall, W.C. lounge, recently fitted dining kitchen, rear porch and three bedrooms and bathroom to the first floor. Garden to the rear with ample parking.

**Entrance Hall** - Radiator fitted, stairs to the first floor. uPVC front door fitted.

**Cloaks** - low level W.C. and wall mounted wash hand basin. Part tiled walls.

**Lounge** - 4.83mx3.00m (15'10x9'10) - Wall mounted gas fire, sliding patio doors to the conservatory.

**Conservatory** - 1.50mx2.90m (4'11x9'6) - 

**Dining Kitchen** - 4.83mx3.00m (15'10x9'10) - A recently fitted range of base and wall units with worktops to accord and including a single drainer stainless steel sink unit, stainless steel gas hob, electric oven and plumbing for a washing machine.

**Rear Porch** - uPVC door to the rear garden. gas central heating boiler.

**First Floor** - 

**Landing** - 

**Bedroom 1** - 4.83mx3.02m narrowing ro 1.88m (15'10x9'11 narrowi - Rear facing

**Bedroom 2** - 2.92mx3.02m max measurements (9'7x9'11 max measure - An "L" shaped room which is rear facing.

**Bedroom 3** - 1.83mx3.30m (6'x10'10) - Built in cupboard. Front facing

**Bathroom** - Suite comprising panelled bath , low level W.C. and wall mounted wash hand basin. Tiled walls.

**Outside** - There is a small front garden. Good sized rear garden accessed by double timber gates and provides parking for vehicles.

## Property Photos

- ![IMG_1270.JPG](/listings/photos/61767805/1231002) - IMG_1270.JPG
- ![Outside](/listings/photos/61767805/1231003) - Outside
- ![Lounge](/listings/photos/61767805/1231004) - Lounge
- ![Dining kitchen](/listings/photos/61767805/1231005) - Dining kitchen
- ![Bedroom 2](/listings/photos/61767805/1231006) - Bedroom 2
- ![Bedroom 3](/listings/photos/61767805/1231007) - Bedroom 3
- ![Bathroom](/listings/photos/61767805/1231008) - Bathroom
- ![IMG_1266.JPG](/listings/photos/61767805/1231009) - IMG_1266.JPG
- ![Bedroom 1](/listings/photos/61767805/1231010) - Bedroom 1
- ![IMG_1268.JPG](/listings/photos/61767805/1231011) - IMG_1268.JPG

## Floorplans

- ![5Bankfield-print.JPG](/listings/photos/61767805/1231012) - 5Bankfield-print.JPG

## EPC Graphs

- ![EE Rating](/listings/photos/61767805/1231013) - EE Rating
- ![EI Rating](/listings/photos/61767805/1231014) - EI Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 5 BANKFIELD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EW | £57,500 | 08/06/2018 | 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 |
|---------|-------|------|------|
| 10 DANIELS LANE, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9NH | £122,000 | 16/01/2026 | Terraced |
| 239 BEECHTREES, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EZ | £57,000 | 26/08/2025 | Terraced |
| 129 ESKBANK, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6EG | £175,000 | 28/05/2025 | Terraced |
| [Same street] 62 BANKFIELD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EW | £64,000 | 19/12/2023 | Terraced |
| 26 TAWD ROAD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6BP | £122,000 | 07/12/2023 | Terraced |
| 163 BANKSBARN, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9ER | £56,000 | 01/12/2023 | Terraced |
| 21 TAWD ROAD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6BS | £95,000 | 30/11/2023 | Terraced |
| 75 DANIELS LANE, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9NH | £136,000 | 03/11/2023 | Terraced |
| 152 BANKSBARN, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9ES | £69,000 | 17/08/2023 | Terraced |
| 64 TAWD ROAD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6BP | £150,000 | 28/04/2023 | Terraced |
| 172 BANKSBARN, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9ES | £70,000 | 11/04/2023 | Terraced |
| 139 ESKBANK, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6EG | £62,000 | 24/02/2023 | Terraced |
| 7 BANKSBARN, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EP | £68,500 | 15/11/2022 | Terraced |
| 50 BLAKEHALL, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9AZ | £105,050 | 14/10/2022 | Terraced |
| 70 BANKSBARN, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EX | £50,000 | 23/09/2022 | Terraced |
| 5 ESKBANK, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6EQ | £145,000 | 29/07/2022 | Terraced |
| 50 BLAKEHALL, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9AZ | £50,000 | 22/07/2022 | Terraced |
| 95 ESKBANK, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6EG | £117,000 | 22/07/2022 | Terraced |
| 33 TAWD ROAD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6BS | £105,000 | 27/04/2022 | Terraced |
| [Same street] 86 BANKFIELD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9EW | £2,560,699 | 11/04/2022 | Other |
| 64 TAWD ROAD, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 6BP | £113,000 | 29/03/2022 | Terraced |
| 29 DANIELS LANE, SKELMERSDALE, WEST LANCASHIRE, LANCASHIRE, WN8 9NH | £84,950 | 11/01/2022 | Terraced |

**Street average:** £1,312,350 (2 sales)
**Area average:** £97,625 (20 sales)

## Price vs local average

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

- **Local average:** £122,975 (55 Terraced, WN8, 2024–2026)
- **Deviation:** -49.6%

## Rental Range

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

- **Low:** £719/mo
- **Realistic:** £799/mo
- **Optimistic:** £879/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £648/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 End Terrace, Eskbank, WN8 | £1,050/mo | 3 | 0.29 miles | OpenRent |
| 3 Bed Detached House, Elmridge, WN8 | £800/mo | 3 | 0.32 miles | OpenRent |
| 3 Bed Terraced House, Acregate, WN8 | £700/mo | 3 | 0.32 miles | OpenRent |
| 3 Bed Semi-Detached House, Elmstead, WN8 | £750/mo | 3 | 0.35 miles | OpenRent |
| 3 Bed Terraced House, Alderley, WN8 | £750/mo | 3 | 0.37 miles | OpenRent |
| 3 Bed Terraced House, Ennerdale, WN8 | £800/mo | 3 | 0.37 miles | OpenRent |
| 3 Bed Terraced House, Ennerdale, WN8 | £775/mo | 3 | 0.39 miles | OpenRent |
| 3 Bed Terraced House, Alderley, WN8 | £800/mo | 3 | 0.4 miles | OpenRent |
| 3 Bed Terraced House, Alderley, WN8 | £850/mo | 3 | 0.43 miles | OpenRent |
| 3 Bed Terraced House, Ennerdale, WN8 | £650/mo | 3 | 0.43 miles | OpenRent |
| 3 Bed Terraced House, Belfield, WN8 | £600/mo | 3 | 0.47 miles | OpenRent |
| 3 Bed Terraced House, Belfield, WN8 | £850/mo | 3 | 0.47 miles | OpenRent |
| 3 Bed Terraced House, Birleywood, WN8 | £825/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed Terraced House, Eversley, WN8 | £750/mo | 3 | 0.53 miles | OpenRent |
| 3 Bed Terraced House, Birkrig, WN8 | £795/mo | 3 | 0.53 miles | OpenRent |
| 3 Bed Semi-Detached House, De Haviland Way, WN8 | £975/mo | 3 | 0.63 miles | OpenRent |

**Average rent: £795/mo (16 listings)**

## 1% Rule

- **Rent ratio:** 1.29% (strong)
- **Max investor price (0.8%):** £99,750
- **Target investor price (1%):** £79,800

*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 £798/mo).*

- **Gross yield:** 15.4%
- **Cost-to-rent:** 6.5×
- **Monthly cashflow:** £449/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 30%

*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:** £838/m²

## Capital growth trend

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

- **5y growth:** 10.2%
- **10y growth:** 40.2%

## House Price Index (HM Land Registry)

*Official index for West Lancashire; Terraced series; as of April 2026.*

- **1y growth (index):** 7.1%
- **5y growth (index):** 30.9%
- **10y growth (index):** 53.5%

## 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)