# 73 CUMBERLAND STREET, WORKINGTON, CUMBERLAND, CA14 2QP

## Property details

- Slug: `26d612e` (address key hash: `26d612e3ddf4a14b758df1a5f4ed3dfb3092faa2`)
- Postcode: CA14 2QP
- Transactions on record: 2

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 98 m²
- EPC rating: C
- Year built: England and Wales: 1967-1975
- Last sold: £150,000 Mar 2026
- Price per m²: £1,531/m²
- Local average: £108,949 (62 sales)
- Street crime: 231 incidents within 1 mile (Jun 2026)

## Latest sale

- Price: £150,000
- Date: 2026-03-20
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 24/04/2032
- **Current heating cost:** £565/year
- **Est. upgrade cost to C:** £10,515

### Recommendations
- W1 (£800 - £1,200)
- E (£15)
- 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/8120-2043-0252-5100-1283)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-20 | £150,000 | Terraced | +20% | £152,830 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b83-d352-b8d0-e063-4704a8c08d98) |
| Sold | 2022-08-31 | £125,000 | Terraced | — | £137,889 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/0e082196-c7b7-5c09-e063-4704a8c0a10e) |

*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 |
|---------|-------|------|------|
| 73 CUMBERLAND STREET, WORKINGTON, CUMBERLAND, CA14 2QP | £150,000 | 20/03/2026 | Terraced |
| 73 CUMBERLAND STREET, WORKINGTON, CUMBERLAND, CA14 2QP | £125,000 | 31/08/2022 | Terraced |

## Historic listings

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

- Matched listing: [170633096](http://87.117.209.195:8080/listings/2d30e3b)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £150,000 |
| listed | 2025-12-26 | £150,000 |
| sold | 2022-01-01 | £125,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 FRAZER STREET, WORKINGTON, CUMBERLAND, CA14 2QW | £80,000 | 06/02/2026 | Terraced |
| 5 PRINCESS STREET, WORKINGTON, CUMBERLAND, CA14 2QG | £131,500 | 09/01/2026 | Terraced |
| 11 PEARSON STREET, WORKINGTON, CUMBERLAND, CA14 2QR | £46,000 | 09/01/2026 | Terraced |
| 21 DOUGLAS ROAD, WORKINGTON, CUMBERLAND, CA14 2QY | £133,500 | 14/11/2025 | Terraced |
| 86 VICTORIA ROAD, WORKINGTON, CUMBERLAND, CA14 2QT | £95,000 | 07/11/2025 | Terraced |
| 44 NAPIER STREET, WORKINGTON, CUMBERLAND, CA14 2PU | £120,000 | 06/11/2025 | Terraced |
| 62 NAPIER STREET, WORKINGTON, CUMBERLAND, CA14 2PU | £107,000 | 12/08/2025 | Terraced |
| 33 VICTORIA ROAD, WORKINGTON, CUMBERLAND, CA14 2QT | £97,500 | 01/12/2023 | Terraced |
| 164 CORPORATION ROAD, WORKINGTON, CUMBERLAND, CA14 2PR | £77,000 | 06/10/2023 | Terraced |
| 130 CORPORATION ROAD, WORKINGTON, CUMBERLAND, CA14 2PN | £103,000 | 19/05/2023 | Terraced |
| 2 FRAZER STREET, WORKINGTON, CUMBERLAND, CA14 2QW | £165,000 | 15/05/2023 | Terraced |
| 52 NAPIER STREET, WORKINGTON, CUMBERLAND, CA14 2PU | £45,000 | 28/04/2023 | Terraced |
| 32 VICTORIA ROAD, WORKINGTON, CUMBERLAND, CA14 2QT | £76,500 | 25/04/2023 | Terraced |
| 25 PEARSON STREET, WORKINGTON, CUMBERLAND, CA14 2QR | £83,000 | 24/03/2023 | Terraced |
| 12 FROSTOMS ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3UP | £95,000 | 16/12/2022 | Terraced |
| 95 BOLTON STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2SW | £82,000 | 15/12/2022 | Terraced |
| 34 VICTORIA ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2QT | £75,000 | 09/12/2022 | Terraced |
| 43 VULCANS LANE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NR | £90,000 | 08/12/2022 | Terraced |
| 9 FRAZER STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2QW | £130,000 | 21/09/2022 | Terraced |
| 23 VULCANS LANE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NU | £70,000 | 16/09/2022 | Terraced |

**Area average:** £95,100 (20 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type (all bedroom counts shown — none matched the 3-bedroom count for this property).*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Coniston Drive, Workington, Cumbria](http://87.117.209.195:8080/listings/722c93f) | £110,000 | 2 | End of terrace | 0.54 mi |

## Capital growth trend

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

- **5y growth:** 2.2%
- **10y growth:** 40%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 6.7%
- **5y growth (index):** 29%
- **10y growth (index):** 64.8%

## Rental Range

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

- **Low:** £865/mo
- **Realistic:** £961/mo
- **Optimistic:** £1,057/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 |
|------|------|------|------|------|
| 3 Bed End Terrace, Chambers Street, CA14 | £750/mo | 3 | 0.3 miles | OpenRent |

**Average rent: £750/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 6%
- **Cost-to-rent:** 16.7×
- **Monthly cashflow:** £59/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.6%

*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:** Job (default Low)

[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 | 118 |
| Shoplifting | 31 |
| Public order | 25 |
| Criminal damage and arson | 23 |
| Burglary | 7 |
| Other theft | 7 |
| Anti-social behaviour | 6 |
| Drugs | 5 |
| Vehicle crime | 4 |
| Other crime | 3 |
| Theft from the person | 2 |
| **Total incidents** | **231** |

*Within 1 mile during Jun 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 |
|------|------|----------|--------|
| Victoria Junior School | Primary | 0.1 miles | Good — 16 Nov 2018 |
| Victoria Infant and Nursery School | Primary | 0.2 miles | Outstanding — 3 Feb 2015 |
| St Josephs Catholic High School, Workington | Secondary | 0.4 miles | Requires improvement — 21 Jan 2024 |
| St Michael's Nursery and Infant School | Primary | 0.4 miles | Good — 11 Feb 2015 |
| St Patrick's Catholic Primary School | Primary | 0.5 miles | Good — 8 Jun 2015 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #6420257
- **Address:** 73 Cumberland Street, WORKINGTON, CA14 2QP
- **Certificate Issued:** 23/03/2009
- **Work Completed:** 18/12/2008
- **Items:** 2 window(s)