Terraced 2 sales on record

58 PENZANCE STREET

MOOR ROW, CUMBERLAND, CA24 3JH

£90,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA24 3JH

Nearby

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

Type	Name	Distance
Shop	Bakery	0.0 miles
Bus stop	Kelton House	0.4 miles
Train station	Corkickle	2.5 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

94 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£90,000 Apr 2026

Price per m²

£957/m²

Local average

£84,590 (5 sales)

Street crime

26 incidents within 1 mile (Aug 2026)

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 21/04/2023

Expiry date: 20/04/2033

Current heating cost: £2,660/year

Potential heating cost: £1,639/year

Est. upgrade cost to C: £22,775

EPC E or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	24/04/2026	£90,000	Terraced	+119.5%	£92,911 to July 2026	View transaction
Sold	28/11/2023	£41,000	Terraced	—	£46,643 to July 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
listed	28/01/2026	£90,000
sold	01/01/2026	£90,000
sold	01/01/2023	£41,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
3 CHURCH STREET, MOOR ROW, CUMBERLAND, CA24 3JG	£125,000	15/01/2026	Terraced
4 PENZANCE STREET, MOOR ROW, CUMBERLAND, CA24 3JH	£79,950	19/12/2025	Terraced
37 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP	£74,000	15/12/2025	Terraced
46 JOHN STREET, MOOR ROW, CUMBERLAND, CA24 3JD	£54,000	13/08/2025	Terraced
31 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP	£85,000	13/10/2023	Terraced
36 CHURCH STREET, MOOR ROW, CUMBERLAND, CA24 3JQ	£100,000	16/05/2023	Terraced
11 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP	£45,000	08/03/2023	Terraced
30 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP	£50,000	07/03/2023	Terraced
29 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£72,000	23/11/2022	Terraced
53 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£83,500	26/08/2022	Terraced
19 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£88,500	24/08/2022	Terraced
29 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP	£170,000	17/08/2022	Terraced
28 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP	£70,000	17/08/2022	Terraced
3 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP	£78,100	07/07/2022	Terraced
29 SCALEGILL ROAD, MOOR ROW, COPELAND, CUMBRIA, CA24 3JL	£100,000	01/07/2022	Terraced
68 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£105,000	01/07/2022	Terraced
14 CHURCH STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JF	£105,000	10/06/2022	Terraced
2 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£63,000	06/06/2022	Terraced
3 CHURCH MEWS, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£142,000	23/05/2022	Terraced
1 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH	£70,000	06/05/2022	Terraced

Area average: £88,003 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

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

10y growth 26.9%

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

1y (index) 5.3%

5y (index) 31.9%

10y (index) 63.7%

Rental Range

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

Low £878/mo

Realistic £975/mo

Optimistic £1,073/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for West Cumbria: Apr 2025 – Mar 2026

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, Dalzell Street, CA24	£650/mo	2	0.09 miles	OpenRent
2 Bed Terraced House, Main Street, CA23	£550/mo	2	0.88 miles	OpenRent

Average rent: £600/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £75,000

Target investor price (1%) £60,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £161/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 7.4%

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).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Registered land (INSPIRE)

INSPIRE registered land data is not available for this location yet.

Street-level crime

Category	Count
Violence and sexual offences	9
Criminal damage and arson	5
Public order	4
Other theft	3
Drugs	2
Anti-social behaviour	1
Burglary	1
Possession of weapons	1
Total incidents	26

Within 1 mile during Aug 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
Moor Row Community Primary School	Primary	0.1 miles	Good — 10 Jul 2024
St Patrick's Catholic Primary School	Primary	1.1 miles	Good — 30 Oct 2019
Montreal CofE Primary School	Primary	1.3 miles	Good — 16 Sep 2019
Cleator Moor Nursery School	Nursery	1.3 miles	Requires improvement — 21 May 2024
Valley Primary School and Nursery	Primary	1.6 miles	Good — 26 Mar 2015

FENSA

FENSA certificate details will appear here after the next background check. If nothing changes after a few minutes, try refreshing the page.

# 58 PENZANCE STREET, MOOR ROW, CUMBERLAND, CA24 3JH

## Property details

- Slug: `1b9722a` (address key hash: `1b9722a049c229ff8210c3be03db4c010071167d`)
- Postcode: CA24 3JH
- Transactions on record: 2

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 94 m²
- EPC rating: E
- Year built: England and Wales: 1930-1949
- Last sold: £90,000 Apr 2026
- Price per m²: £957/m²
- Local average: £84,590 (5 sales)
- Street crime: 26 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £90,000
- Date: 2026-04-24
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 20/04/2033
- **Current heating cost:** £2,660/year
- **Est. upgrade cost to C:** £22,775

### Recommendations
- A2 (£850 - £1,500)
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- 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/2799-3026-8204-4317-1200)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-04-24 | £90,000 | Terraced | +119.5% | £92,911 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/5340b1c5-35c2-8052-e063-4804a8c06ee4) |
| Sold | 2023-11-28 | £41,000 | Terraced | — | £46,643 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/152ab733-9aac-e651-e063-4704a8c061d9) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 58 PENZANCE STREET, MOOR ROW, CUMBERLAND, CA24 3JH | £90,000 | 24/04/2026 | Terraced |
| 58 PENZANCE STREET, MOOR ROW, CUMBERLAND, CA24 3JH | £41,000 | 28/11/2023 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [171562886](http://87.117.209.195:8080/listings/705bf1e)

| Event | Date | Price |
|-------|------|-------|
| listed | 2026-01-28 | £90,000 |
| sold | 2026-01-01 | £90,000 |
| sold | 2023-01-01 | £41,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 CHURCH STREET, MOOR ROW, CUMBERLAND, CA24 3JG | £125,000 | 15/01/2026 | Terraced |
| 4 PENZANCE STREET, MOOR ROW, CUMBERLAND, CA24 3JH | £79,950 | 19/12/2025 | Terraced |
| 37 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP | £74,000 | 15/12/2025 | Terraced |
| 46 JOHN STREET, MOOR ROW, CUMBERLAND, CA24 3JD | £54,000 | 13/08/2025 | Terraced |
| 31 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP | £85,000 | 13/10/2023 | Terraced |
| 36 CHURCH STREET, MOOR ROW, CUMBERLAND, CA24 3JQ | £100,000 | 16/05/2023 | Terraced |
| 11 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP | £45,000 | 08/03/2023 | Terraced |
| 30 DALZELL STREET, MOOR ROW, CUMBERLAND, CA24 3JP | £50,000 | 07/03/2023 | Terraced |
| 29 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £72,000 | 23/11/2022 | Terraced |
| 53 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £83,500 | 26/08/2022 | Terraced |
| 19 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £88,500 | 24/08/2022 | Terraced |
| 29 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP | £170,000 | 17/08/2022 | Terraced |
| 28 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP | £70,000 | 17/08/2022 | Terraced |
| 3 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP | £78,100 | 07/07/2022 | Terraced |
| 29 SCALEGILL ROAD, MOOR ROW, COPELAND, CUMBRIA, CA24 3JL | £100,000 | 01/07/2022 | Terraced |
| 68 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £105,000 | 01/07/2022 | Terraced |
| 14 CHURCH STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JF | £105,000 | 10/06/2022 | Terraced |
| 2 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £63,000 | 06/06/2022 | Terraced |
| 3 CHURCH MEWS, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £142,000 | 23/05/2022 | Terraced |
| 1 PENZANCE STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JH | £70,000 | 06/05/2022 | Terraced |

**Area average:** £88,003 (20 sales)

## Capital growth trend

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

- **10y growth:** 26.9%

## House Price Index (HM Land Registry)

*Official index for North West; Terraced series; as of July 2026.*

- **1y growth (index):** 5.3%
- **5y growth (index):** 31.9%
- **10y growth (index):** 63.7%

## Rental Range

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

- **Low:** £878/mo
- **Realistic:** £975/mo
- **Optimistic:** £1,073/mo

## LHA (Local Housing Allowance)

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

## 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, Dalzell Street, CA24 | £650/mo | 2 | 0.09 miles | OpenRent |
| 2 Bed Terraced House, Main Street, CA23 | £550/mo | 2 | 0.88 miles | OpenRent |

**Average rent: £600/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **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:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £161/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.4%

*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).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 9 |
| Criminal damage and arson | 5 |
| Public order | 4 |
| Other theft | 3 |
| Drugs | 2 |
| Anti-social behaviour | 1 |
| Burglary | 1 |
| Possession of weapons | 1 |
| **Total incidents** | **26** |

*Within 1 mile during Aug 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Moor Row Community Primary School | Primary | 0.1 miles | Good — 10 Jul 2024 |
| St Patrick's Catholic Primary School | Primary | 1.1 miles | Good — 30 Oct 2019 |
| Montreal CofE Primary School | Primary | 1.3 miles | Good — 16 Sep 2019 |
| Cleator Moor Nursery School | Nursery | 1.3 miles | Requires improvement — 21 May 2024 |
| Valley Primary School and Nursery | Primary | 1.6 miles | Good — 26 Mar 2015 |