# 38 VICTORIA ROAD NORTH, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DS

## Property details

- Slug: `1cf0784` (address key hash: `1cf07849b0ca03a29c782a8b520dd1990843a870`)
- Postcode: LA23 2DS
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Last sold: £335,000 Jun 2026
- Local average: £383,375 (8 sales)
- Street crime: 28 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £335,000
- Date: 2026-06-30
- Type: S
- Tenure: F

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-06-30 | £335,000 | Semi-detached | — | £338,906 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/5834e4e8-84d0-29c7-e063-4804a8c015bc) |

*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 |
|---------|-------|------|------|
| 38 VICTORIA ROAD NORTH, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DS | £335,000 | 30/06/2026 | Semi-detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 47 THORNTHWAITE ROAD, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DN | £330,000 | 28/11/2025 | Semi-detached |
| 7 FAIRFIELD ROAD, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DR | £262,000 | 31/03/2025 | Semi-detached |
| 5 LANE HEAD, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DW | £415,000 | 12/12/2023 | Semi-detached |
| 22 FAIRFIELD ROAD, WINDERMERE, WESTMORLAND AND FURNESS, LA23 2DR | £144,000 | 22/12/2022 | Semi-detached |
| 32 VICTORIA ROAD NORTH, WINDERMERE, SOUTH LAKELAND, CUMBRIA, LA23 2DS | £326,000 | 04/10/2022 | Semi-detached |
| 26 FAIRFIELD ROAD, WINDERMERE, SOUTH LAKELAND, CUMBRIA, LA23 2DR | £370,000 | 25/07/2022 | Semi-detached |
| 8 FAIRFIELD ROAD, WINDERMERE, SOUTH LAKELAND, CUMBRIA, LA23 2DR | £332,000 | 07/12/2021 | Semi-detached |

**Area average:** £311,286 (7 sales)

## Capital growth trend

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

- **5y growth:** -18.2%
- **10y growth:** 52.9%

## House Price Index (HM Land Registry)

*Official index for North West; Semi-detached series; as of July 2026.*

- **1y growth (index):** 5.2%
- **5y growth (index):** 30.7%
- **10y growth (index):** 62.1%

## 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 North Cumbria (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Thwaites Lee, LA23 | £850/mo | 2 | 0.27 miles | OpenRent |
| 3 Bed Detached House, Thornbarrow Road, LA23 | £3,000/mo | 3 | 0.57 miles | OpenRent |
| 3 Bed Detached House, Thornbarrow Road, LA23 | £3,000/mo | 3 | 0.57 miles | OpenRent |
| 3 Bed Semi-Detached House, Queen's Drive, LA23 | £1,195/mo | 3 | 0.57 miles | OpenRent |
| 5 Bed Detached House, Queens Drive, LA23 | £5,500/mo | 5 | 0.6 miles | OpenRent |
| 1 Bed Flat, Craig Walk, LA23 | £700/mo | 1 | 0.89 miles | OpenRent |
| 1 Bed Flat, Craig Walk, LA23 | £760/mo | 1 | 0.89 miles | OpenRent |
| 2 Bed Flat, Craig Walk, LA23 | £920/mo | 2 | 0.96 miles | OpenRent |
| 1 Bed Flat, Lake Road, LA23 | £750/mo | 1 | 0.96 miles | OpenRent |
| 1 Bed Flat, Bowness-On-Windermere, LA23 | £750/mo | 1 | 0.99 miles | OpenRent |

**Average rent: £1,743/mo (10 listings)**

## 1% Rule

- **Rent ratio:** 0.26% (weak for cashflow)
- **Max investor price (0.8%):** £110,625
- **Target investor price (1%):** £88,500

*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 £885/mo).*

- **Gross yield:** 3.2%
- **Cost-to-rent:** 31.5×
- **Monthly cashflow:** £-548/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -6.8%

*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 | 18 |
| Criminal damage and arson | 4 |
| Other theft | 2 |
| Shoplifting | 2 |
| Drugs | 1 |
| Public order | 1 |
| **Total incidents** | **28** |

*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 |
|------|------|----------|--------|
| St Martin & St Mary Church of England Primary School | Primary | 0.5 miles | Good — 18 Nov 2014 |
| St Cuthberts Catholic Primary School, Windermere | Primary | 0.6 miles | Requires improvement — 15 Jan 2024 |
| Goodly Dale Primary School | Primary | 0.8 miles | — (Inspected (no overall grade)) |
| The Lakes School | Secondary | 1.8 miles | Good — 6 Jan 2020 |
| Windermere School | Other | 3.2 miles | — (No rating) |

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #14711551
- **Address:** 38 Victoria Road North, WINDERMERE, LA23 2DS
- **Certificate Issued:** 01/08/2021
- **Work Completed:** 16/07/2021
- **Items:** 3 window(s)

### FENSA Certificate #6638869
- **Address:** 38 Victoria Road North, WINDERMERE, LA23 2DS
- **Certificate Issued:** 22/06/2009
- **Work Completed:** 09/04/2009
- **Items:** 1 door(s)