4 bedroom apartment, Mill Lane, Cambridge
Cambridge, CB3 5XY
Added 21 Jul 2026
£990,000
Guide price
Bedrooms
4
Bathrooms
1
Size
1,626 sqft
Type
apartment
Match
76%
- TenureLeasehold
- Council taxBand B
- EPCD
- ParkingDriveway
- GardenNone
About this home
Key features
- Balcony
- Concierge service
- Integrated appliances
- Residents parking
- Underfloor heating
- Video entry
- Driveway parking
- None
- EPC rating D
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£6,566/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand B£Service charge
KnownReported by agent£Ground rent
KnownReported by agent£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Leasehold
- Council tax
- Band B
- Year built
- 1934
- Heating
- Electric
- Parking
- Driveway
- Garden
- None
Energy performance
- A
- B
- C
- DScore 64
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,626 sqft
≈ 151 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 2.2 mi
Bridge Road
Overground
- 2.6 mi
Junction Station
Tube
- 3.4 mi
High Street Station
Tram
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
46.4 mi away
Birmingham New Street
77.9 mi away
Bristol Temple Meads
117.7 mi away
Manchester Piccadilly
124.9 mi away
Leeds
125.3 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.1 mi
Supermarket
Co-op
- 🏋️0.9 mi
Gym
PureGym
- 🌳0.6 mi
Park
Riverside Gardens
- 🩺0.9 mi
GP surgery
St Andrew's Medical
- 🍽️0.3 mi
Restaurants
Local high street
- ☕0.4 mi
Café
Kaffeine
Commute time
Estimate the journey from Cambridge, CB3 5XY to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: LimitedOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cambridge, CB3 5XY.
Area average
£923,365
This home +7%
12m change
+6%
Sold prices
Avg £/sqft
£420
This home £609
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Leasehold · estimated running costs (all editable).
Total monthly cost
£6,199 /mo
£74,388 per year — indicative estimate.
- Mortgage£5,080/mo10% deposit · 4.75% · 25 yr82%
- Council tax (Band B)£146/moIndicative England average2%
- Service charge£324/moFrom listing5%
- Ground rent£36/moFrom listing1%
- Maintenance & repairs£413/mo~0.50% of value / yr7%
- Utilities (energy + water)£200/moOfgem typical dual-fuel3%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£5,080
Loan £891,000 · Deposit £99,000 (10%)
£1,553/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £632,924
- Total paid
- £1,523,924
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£42,750
Effective rate 4.32% on £990,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£346,500
Loan up to £247,500 + £99,000 deposit · capped by income (4.5× LTI)
This listing
£990,000
Short by £643,500 · needs income ~£198,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £4,648 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £198,000/yr income or £643,500 more deposit.
Monthly all-in
£5,556 /mo
£4,648 mortgage + £908 running · 121% of gross pay
Upfront cash
£146,279
£99,000 deposit + £42,750 SDLT + £4,529 fees
Lender check
Too big
Need £891,000 · max on income £247,500
- Loan needed (£891,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£5,556) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£146,279) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Tenure & lease
Tenure
leasehold
Lease remaining
801 years
Service charge
£3,892 / year
Ground rent
£433 / year
Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.52%
Net yield
-2.77%
Monthly cashflow
£-2,288
ROI on cash
-8.0%
Sensitivity
Rent −10%
£-2,386/mo · -2.89%
Rent +10%
£-2,189/mo · -2.65%
Rate +1%
£-2,907/mo · -3.52%
Rate −1%
£-1,669/mo · -2.02%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
105
/ 1k residents
Medium▲ 7.7% vs previous year
Broadband
158 Mbps
Up to 108 Mbps upload8 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Limited |
| O2 | Good | Good | Good | Good |
| Three | Good | Limited | Good | Limited |
| Vodafone | Limited | Limited | Good | Good |
Planning applications
9within 250 m in the last 12 months
- Withdrawn
Two-storey side extension
2026/8477/HH · 3 Apr 2026
- Refused
Outbuilding for home office
2026/9236/HH · 4 May 2026
- Pending
Loft conversion with rear dormer
2026/9736/HH · 1 May 2026
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- leasehold
- Council tax band
- B
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Cambridge, CB3 5XY and comparable homes nearby.
Property history
Dec 2018
Sold
£711,000
+104.3% vs previous
Dec 2016
Sold
£348,000
Sold nearby
Avg £915,000
1 Cedar Terrace
Semi-detached · 3 bed · 0.13 mi · Dec 2024
£829,000
23 Rowan Avenue
Detached · 3 bed · 0.19 mi · Oct 2024
£821,000
139 Willow Avenue
Detached · 3 bed · 0.26 mi · Dec 2024
£1,183,000
152 Rowan Road
Flat · 4 bed · 0.35 mi · Aug 2025
£911,000
60 Maple Gardens
Semi-detached · 4 bed · 0.44 mi · Dec 2024
£882,000
Own a home like this?
See what yours is worth in seconds.
Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
Keep exploring