# 2 bedroom house for sale (LA14 5LY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 42 HARROGATE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS LA14 5LY |
| Price | £120,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £120,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 06/10/2035
- **Current heating cost:** £745/year
- **Est. upgrade cost to C:** £10,200

### Recommendations
- B (£900 - £1,500)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2010-9600-8050-7694-3301)

## Description

Introducing a two-bedroom mid-terrace house in a central Barrow location, close to shops and amenities. 

The accommodation comprises; a welcoming reception room and kitchen diner to the ground floor.  To the first floor there are two bedrooms and a bathroom.  A boarded loft space adds additional versatility for storage.

Externally, the home benefits from a rear yard that is walled and gated, with an elevated decking area creating an ideal outdoor seating spot. 

Well presented throughout, this property is ready to move into and makes a great option in a convenient location.

Council Tax Information: Band A

**Agent Note**

In order to purchase a property in the UK, all estate agents are legally required to conduct identity checks on everyone involved in the transaction, in line with anti-money laundering regulations. Farrell Heyworth outsource this process to a trusted third party, and a non-refundable charge will apply. Please contact your local branch for further details.

## Property Photos

- ![Front](/listings/photos/168167885/838401) - Front
- ![Reception view 2](/listings/photos/168167885/838402) - Reception view 2
- ![Reception](/listings/photos/168167885/838403) - Reception
- ![Kitchen view 4](/listings/photos/168167885/838404) - Kitchen view 4
- ![Kitchen view 2 view ](/listings/photos/168167885/838405) - Kitchen view 2 view 
- ![Kitchen](/listings/photos/168167885/838406) - Kitchen
- ![Bedroom 1 view 2](/listings/photos/168167885/838408) - Bedroom 1 view 2
- ![Bedroom 1](/listings/photos/168167885/838409) - Bedroom 1
- ![Bedroom 2 view 2](/listings/photos/168167885/838410) - Bedroom 2 view 2
- ![Bedroom 2](/listings/photos/168167885/838411) - Bedroom 2
- ![Shower room](/listings/photos/168167885/838412) - Shower room
- ![Landing](/listings/photos/168167885/838413) - Landing
- ![Rear view 3](/listings/photos/168167885/838414) - Rear view 3
- ![Rear](/listings/photos/168167885/838415) - Rear
- ![Rear view 4](/listings/photos/168167885/838416) - Rear view 4
- ![Rear view 2](/listings/photos/168167885/838417) - Rear view 2

## Floorplans

- ![Floorplan](/listings/photos/168167885/838418) - Floorplan

## EPC Graphs

- ![EPC Graphs](/listings/photos/168167885/838419) - EPC Graphs

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #3411308
- **Address:** 42 Harrogate Street, BARROW-IN-FURNESS, LA14 5LY
- **Certificate Issued:** 23/01/2006
- **Work Completed:** 12/12/2005
- **Items:** 4 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 42 HARROGATE STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 5LY | £120,000 | 30/01/2026 | 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] 112 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £94,000 | 19/10/2022 | Terraced |
| [Same street] 102 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £105,000 | 13/09/2022 | Terraced |
| [Same street] 116 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £85,000 | 16/08/2022 | Terraced |
| [Same street] 40 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £101,000 | 01/07/2022 | Terraced |
| [Same street] 76 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £75,000 | 29/04/2022 | Terraced |
| [Same street] 36 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £90,000 | 16/12/2021 | Terraced |
| [Same street] 66 HARROGATE STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 5LY | £90,000 | 30/07/2021 | Terraced |

**Street average:** £91,429 (7 sales)

## Price vs local average

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

- **Local average:** £338,438 (8 Other, LA14, 2024–2026)
- **Deviation:** -64.5%

## 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 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, Highfield Road, LA14 | £775/mo | 2 | 0.14 miles | OpenRent |
| 2 Bed Terraced House, Hawke St, LA14 | £750/mo | 2 | 0.67 miles | OpenRent |

**Average rent: £763/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.64% (weak for cashflow)
- **Max investor price (0.8%):** £95,375
- **Target investor price (1%):** £76,300

*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 £763/mo).*

- **Gross yield:** 7.6%
- **Cost-to-rent:** 13.1×
- **Monthly cashflow:** £189/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.5%

*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:** £1,935/m²

## Capital growth trend

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

- **5y growth:** 20.5%
- **10y growth:** 158.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 7.1%
- **5y growth (index):** 25.2%
- **10y growth (index):** 58.3%

## 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)