2 bedroom penthouse, Mill Lane, Oxford
Oxford, OX2 3JS
Added 21 Jul 2026
£840,000
Guide price
Bedrooms
2
Bathrooms
1
Size
1,126 sqft
Type
penthouse
Match
82%
- TenureLeasehold
- Council taxBand G
- EPCC
- ChainChain-free
- ParkingAllocated Bay
- GardenPrivate Rear Garden
About this home
Key features
- Concierge service
- Floor-to-ceiling glazing
- Panoramic city views
- Smart home system
- Underfloor heating
- Wraparound terrace
- Allocated bay parking
- Private rear garden
- Chain free
- EPC rating C
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.
£5,678/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand G£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 G
- Year built
- 1964
- Heating
- Electric
- Parking
- Allocated Bay
- Garden
- Private Rear Garden
- Chain
- Chain-free
Energy performance
- A
- B
- CScore 73
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,126 sqft
≈ 105 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- 0.4 mi
Parkway
Rail
- 0.7 mi
Junction
Tube
- 2.7 mi
Kings Road Station
Rail
- 3.4 mi
Central
Rail
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
50.1 mi away
Birmingham New Street
58.3 mi away
Bristol Temple Meads
60.7 mi away
Manchester Piccadilly
127.2 mi away
Leeds
142.9 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.9 mi
Supermarket
M&S Food
- 🏋️0.4 mi
Gym
PureGym
- 🌳0.9 mi
Park
Victoria Park
- 🩺0.4 mi
GP surgery
Parkside Surgery
- 🍽️1.0 mi
Restaurants
Local high street
- ☕0.5 mi
Café
The Roastery
Commute time
Estimate the journey from Oxford, OX2 3JS 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: LimitedOutdoor: Good
- VodafoneIndoor: LimitedOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Oxford, OX2 3JS.
Area average
£950,386
This home -12%
12m change
+2.9%
Sold prices
Avg £/sqft
£1072
This home £746
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Leasehold · estimated running costs (all editable).
Total monthly cost
£5,409 /mo
£64,908 per year — indicative estimate.
- Mortgage£4,310/mo10% deposit · 4.75% · 25 yr80%
- Council tax (Band G)£313/moIndicative England average6%
- Service charge£205/moFrom listing4%
- Ground rent£31/moFrom listing1%
- Maintenance & repairs£350/mo~0.50% of value / yr6%
- Utilities (energy + water)£200/moOfgem typical dual-fuel4%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£4,310
Loan £756,000 · Deposit £84,000 (10%)
£1,318/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £537,026
- Total paid
- £1,293,026
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
£32,000
Effective rate 3.81% on £840,000
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
£331,500
Loan up to £247,500 + £84,000 deposit · capped by income (4.5× LTI)
This listing
£840,000
Short by £508,500 · needs income ~£168,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £3,944 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £168,000/yr income or £508,500 more deposit.
Monthly all-in
£4,714 /mo
£3,944 mortgage + £770 running · 103% of gross pay
Upfront cash
£120,304
£84,000 deposit + £32,000 SDLT + £4,304 fees
Lender check
Too big
Need £756,000 · max on income £247,500
- Loan needed (£756,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£4,714) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£120,304) 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.
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Tenure & lease
Tenure
leasehold
Lease remaining
789 years
Service charge
£2,460 / year
Ground rent
£377 / 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
1.79%
Net yield
-2.57%
Monthly cashflow
£-1,796
ROI on cash
-7.5%
Sensitivity
Rent −10%
£-1,894/mo · -2.71%
Rent +10%
£-1,697/mo · -2.42%
Rate +1%
£-2,321/mo · -3.32%
Rate −1%
£-1,271/mo · -1.82%
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)
119
/ 1k residents
High▼ 0.9% vs previous year
Broadband
54 Mbps
Up to 27 Mbps upload9 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Good |
| O2 | None | Good | Good | Good |
| Three | Limited | Good | Limited | Limited |
| Vodafone | Good | Good | Good | Good |
Planning applications
1within 250 m in the last 12 months
- Approved
Front porch and boundary wall
2025/9950/HH · 4 Nov 2025
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
- G
- 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 Oxford, OX2 3JS and comparable homes nearby.
Property history
Mar 2021
Sold
£701,000
+106.8% vs previous
Oct 2014
Sold
£339,000
Sold nearby
Avg £874,667
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£1,044,000
167 Ivy Road
Flat · 3 bed · 0.17 mi · Jun 2026
£1,038,000
122 Beech Avenue
Flat · 3 bed · 0.32 mi · May 2026
£844,000
160 Hazel Close
Flat · 3 bed · 0.42 mi · Mar 2025
£749,000
91 Cedar Road
Detached · 2 bed · 0.5 mi · Sept 2025
£669,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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