Sold STC Terraced

109 PINE STREET

NELSON, LANCASHIRE BB9 9HN

2 beds 1 baths 775 sq ft Listed 10 Oct 2025 (-246d)

£45,000

Guide Price

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# 2 bedroom terraced house for sale (BB9 9HN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 109 PINE STREET, NELSON, LANCASHIRE BB9 9HN |
| Price | £45,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 72 m² |
| Last sold | £50,000 Nov 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 23/05/2034
- **Current heating cost:** £1,351/year
- **Est. upgrade cost to C:** £18,910

### Recommendations
- Q (£4,000 - £14,000)
- E (£10)
- G (£350 - £450)
- 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/4134-9425-4300-0074-8226)

## Description

TO BE SOLD BY ONLINE AUCTION ON 22ND OCTOBER UNLESS SOLD PRIOR UNDER AUCTION TERMS.

109 Pine Street, Nelson, BB9 9HN

Tenanted and not yet inspected by Edward Mellor, but reported to comprise a lounge, kitchen/diner, two bedrooms and a bathroom with a rear yard. The property is currently tenanted at £525 per calendar month, providing an immediate rental income and representing a strong potential yield for investors. The AST has been requested. The tenants have expressed a desire to remain in situ. Please respect their privacy.

Situated in a popular and established residential area of Nelson, the property is well placed for access to local shops, amenities, schools and transport links. With consistently high rental demand and excellent commuter connections via road and rail, the property offers a ready-made, low-maintenance investment opportunity and an easy addition to any buy-to-let portfolio.

Here are some similar properties taken from the Land Registry which have sold nearby and help highlight the potential;

27, Whitehall Street, Nelson, BB9 9JB-Sold - 20/08/2025 £78,000 Terraced 2 beds 0.18 mi

14, Vincent Road, Nelson, BB9 9JG-Sold - 25/02/2025 £78,000 Terraced 2 beds 0.15 mi

Tenant ready property rental values in the area are in the region of £525 pcm

EPC rating – D

## Property Photos

- ![Capture_cleanup.JPG](/listings/photos/168102395/423803) - Capture_cleanup.JPG
- ![Attention Investors.png](/listings/photos/168102395/423804) - Attention Investors.png
- ![New Instruction.png](/listings/photos/168102395/423805) - New Instruction.png

## EPC Graphs

- ![EPC epcgraph.co.uk](/listings/photos/168102395/423807) - EPC epcgraph.co.uk

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 109 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN | £50,000 | 20/11/2025 | Terraced |
| 109 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN | £13,250 | 29/06/1999 | 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 |
|---------|-------|------|------|
| 39 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH | £65,000 | 20/01/2026 | Terraced |
| 51 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HS | £85,000 | 22/12/2025 | Terraced |
| 20 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB | £65,000 | 04/07/2025 | Terraced |
| 108 FIR STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HT | £39,999 | 04/03/2025 | Terraced |
| 159 NETHERFIELD ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9QS | £75,000 | 28/02/2025 | Terraced |
| 34 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HR | £62,000 | 06/12/2023 | Terraced |
| 14 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB | £39,999 | 04/12/2023 | Terraced |
| 21 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HR | £62,000 | 27/11/2023 | Terraced |
| 201 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HP | £51,000 | 20/10/2023 | Terraced |
| 69 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HS | £54,000 | 11/10/2023 | Terraced |
| 22 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB | £39,999 | 27/09/2023 | Terraced |
| 80 LONSDALE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HG | £49,500 | 04/08/2023 | Terraced |
| 82 BARKERHOUSE ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9EU | £120,000 | 12/04/2023 | Terraced |
| 85 SMITH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HH | £62,000 | 24/03/2023 | Terraced |
| 32 RHODA STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HX | £33,000 | 01/03/2023 | Terraced |
| 145 NETHERFIELD ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9QS | £70,000 | 17/01/2023 | Terraced |
| 22 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB | £39,999 | 23/12/2022 | Terraced |
| 168 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HW | £79,999 | 09/12/2022 | Terraced |
| 49 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH | £54,000 | 09/12/2022 | Terraced |
| 59 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH | £79,995 | 06/12/2022 | Terraced |
| [Same street] 98 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN | £66,500 | 25/07/2022 | Other |
| [Same street] 101 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN | £58,000 | 05/04/2022 | Terraced |
| [Same street] 113 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN | £55,000 | 03/03/2022 | Terraced |

**Street average:** £59,833 (3 sales)
**Area average:** £61,375 (20 sales)

## Price vs local average

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

- **Local average:** £106,166 (117 Terraced, BB9, 2024–2026)
- **Deviation:** -57.6%

## Rental Range

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

- **Low:** £582/mo
- **Realistic:** £647/mo
- **Optimistic:** £712/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £449/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, Regent Street, BB9 | £600/mo | 2 | 0.3 miles | OpenRent |

**Average rent: £600/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 1.33% (strong)
- **Max investor price (0.8%):** £75,000
- **Target investor price (1%):** £60,000

*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 £600/mo).*

- **Gross yield:** 16%
- **Cost-to-rent:** 6.3×
- **Monthly cashflow:** £338/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 31.1%

*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:** £625/m²

## Capital growth trend

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

- **5y growth:** 47.1%
- **10y growth:** 112.6%

## House Price Index (HM Land Registry)

*Official index for Pendle; Terraced series; as of March 2026.*

- **1y growth (index):** 6.9%
- **5y growth (index):** 25.1%
- **10y growth (index):** 78.5%

## 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)

Listing type

Auction

Capture_cleanup.JPG Attention Investors.png New Instruction.png

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Property details

Listing category

Auction

Tenure

FREEHOLD

Floor area

72 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£50,000 Nov 2025

Price per m²

£625/m²

Local average

£106,166 (-57.6%)

Deprivation

Decile 1 (368 of 33,755)

Street crime

367 incidents within 1 mile (Apr 2026)

Key features

TO BE SOLD UNDER AUCTION TERMS
TENANTED
LUCRATIVE INVESTMENT IN GREAT LOCATION
POPULAR LOCATION WITH HIGH DEMANDS
GREAT RETURNS

Additional details

Garden: Yes

Description

TO BE SOLD BY ONLINE AUCTION ON 22ND OCTOBER UNLESS SOLD PRIOR UNDER AUCTION TERMS.
109 Pine Street, Nelson, BB9 9HN
Tenanted and not yet inspected by Edward Mellor, but reported to comprise a lounge, kitchen/diner, two bedrooms and a bathroom with a rear yard. The property is currently tenanted at £525 per calendar month, providing an immediate rental income and representing a strong potential yield for investors. The AST has been requested. The tenants have expressed a desire to remain in situ. Please respect their privacy.

Situated in a popular and established residential area of Nelson, the property is well placed for access to local shops, amenities, schools and transport links. With consistently high rental demand and excellent commuter connections via road and rail, the property offers a ready-made, low-maintenance investment opportunity and an easy addition to any buy-to-let portfolio.
Here are some similar properties taken from the Land Registry which have sold nearby and help highlight the potential;
27, Whitehall Street, Nelson, BB9 9JB-Sold - 20/08/2025 £78,000 Terraced 2 beds 0.18 mi
14, Vincent Road, Nelson, BB9 9JG-Sold - 25/02/2025 £78,000 Terraced 2 beds 0.15 mi
Tenant ready property rental values in the area are in the region of £525 pcm
EPC rating – D

Listed by

Auction

Edward Mellor Ltd

Reference: 168102395

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 24/05/2024

Expiry date: 23/05/2034

Current heating cost: £1,351/year

Potential heating cost: £1,073/year

Est. upgrade cost to C: £18,910

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)
Low energy lighting for all fixed outlets (£10)
Upgrade heating controls (£350 - £450)
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 epcgraph.co.uk

Price history

277% since 1999

Event	Date	Price	% change
Sold	20/11/2025 (6 months ago)	£50,000	+277.4%
Sold	29/06/1999 (26 years ago)	£13,250	—

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
39 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH	£65,000	20/01/2026	Terraced
51 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HS	£85,000	22/12/2025	Terraced
20 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB	£65,000	04/07/2025	Terraced
108 FIR STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HT	£39,999	04/03/2025	Terraced
159 NETHERFIELD ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9QS	£75,000	28/02/2025	Terraced
34 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HR	£62,000	06/12/2023	Terraced
14 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB	£39,999	04/12/2023	Terraced
21 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HR	£62,000	27/11/2023	Terraced
201 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HP	£51,000	20/10/2023	Terraced
69 BELGRAVE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HS	£54,000	11/10/2023	Terraced
22 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB	£39,999	27/09/2023	Terraced
80 LONSDALE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HG	£49,500	04/08/2023	Terraced
82 BARKERHOUSE ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9EU	£120,000	12/04/2023	Terraced
85 SMITH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HH	£62,000	24/03/2023	Terraced
32 RHODA STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HX	£33,000	01/03/2023	Terraced
145 NETHERFIELD ROAD, NELSON, PENDLE, LANCASHIRE, BB9 9QS	£70,000	17/01/2023	Terraced
22 WHITEHALL STREET, NELSON, PENDLE, LANCASHIRE, BB9 9JB	£39,999	23/12/2022	Terraced
168 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HW	£79,999	09/12/2022	Terraced
49 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH	£54,000	09/12/2022	Terraced
59 LARCH STREET, NELSON, PENDLE, LANCASHIRE, BB9 9RH	£79,995	06/12/2022	Terraced
Same street 98 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN	£66,500	25/07/2022	Other
Same street 101 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN	£58,000	05/04/2022	Terraced
Same street 113 PINE STREET, NELSON, PENDLE, LANCASHIRE, BB9 9HN	£55,000	03/03/2022	Terraced

Street average: £59,833 (3 sales)

Area average: £61,375 (20 sales)

Capital growth trend

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

5y growth 47.1%

10y growth 112.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Pendle. Series: Terraced. As of March 2026.

1y (index) 6.9%

5y (index) 25.1%

10y (index) 78.5%

Rental Range

Estimated market rent for Pendle. Low = conservative, Realistic = average, Optimistic = best case.

Low £582/mo

Realistic £647/mo

Optimistic £712/mo

Based on Local Authority from postcode lookup → Pendle.

LHA (30th percentile) floor for West Pennine: £449/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View BB9 9HN

Nearby

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

Type	Name	Distance
Bus stop	Netherfield Road	0.1 miles
Shop	Khon Kaen Thai Therapy	0.2 miles
Shop	The Wrapper	0.2 miles
Train station	Nelson	0.4 miles
Train station	Colne	1.5 miles
Hospital	health center	2.0 miles
University	UClan burnley temp	3.9 miles
University	UCLan Burnley Campus	3.9 miles

Street-level crime

Category	Count
Violence and sexual offences	144
Anti-social behaviour	60
Shoplifting	32
Other theft	26
Public order	20
Burglary	19
Vehicle crime	18
Criminal damage and arson	16
Other crime	10
Drugs	9
Possession of weapons	8
Robbery	5
Total incidents	367

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
Walverden Primary School	Primary	0.2 miles	Good — 10 May 2013
Nelson St Philip's Church of England Primary School	Primary	0.2 miles	Good — 8 Nov 2023
Bradley Nursery School	Nursery	0.3 miles	Good — 12 Sep 2023
Edenfield Girls' High School	Other	0.4 miles	Good — 11 Mar 2020
Bradley Primary School	Primary	0.4 miles	Good — 18 Dec 2013

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, Regent Street, BB9	£600/mo	2	0.3 miles	OpenRent

Average rent: £600/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.33%

Max investor price (0.8%) £75,000

Target investor price (1%) £60,000

Gross yield 16%

Cost-to-rent ratio 6.3×

Monthly cashflow £338/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 31.1%

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).