# 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% | £92,671 (to August 2026) | [View](http://87.117.209.195:8080/house-prices/5340b1c5-35c2-8052-e063-4804a8c06ee4) |
| Sold | 2023-11-28 | £41,000 | Terraced | — | £46,480 (to August 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 |
| 28 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP | £70,000 | 17/08/2022 | Terraced |
| 29 DALZELL STREET, MOOR ROW, COPELAND, CUMBRIA, CA24 3JP | £170,000 | 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 August 2026.*

- **1y growth (index):** 2.9%
- **5y growth (index):** 26.2%
- **10y growth (index):** 63.8%

## 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 |