Semi-Detached

20 BEECH LANE

COCKERMOUTH, CUMBERLAND, CA13 9HQ

£300,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA13 9HQ

Nearby

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

Type	Name	Distance
Bus stop	Beech Lane (E bound)	0.1 miles
Shop	Castlegate House Gallery	0.4 miles
Train station	Aspatria	6.3 miles
Hospital	Workington Community Hospital	8.1 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Bedrooms (EPC estimate)

Floor area

88 m²

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£300,000 Feb 2026

Price per m²

£3,409/m²

Local average

£242,019 (13 sales)

Street crime

28 incidents within 1 mile (Mar 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 28/02/2017

Current heating cost: £784/year

Potential heating cost: £545/year

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

Recommendations

Cavity wall insulation (1,500)
50 mm internal or external wall insulation (14,000)
Floor insulation (solid floor) (6,000)
Low energy lighting for all fixed outlets (35)
Solar water heating (6,000)
High performance external doors (2,000)
Solar photovoltaic panels, 2.5 kWp (8,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	05/02/2026	£300,000	Semi-detached	—	£297,820 to March 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
sold	01/01/2026	£300,000
listed	02/03/2017	£230,000
sold	01/01/2017	£215,000

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
31 BEECH LANE, COCKERMOUTH, CUMBERLAND, CA13 9HH	£315,000	12/10/2023	Semi-detached
19 CASTLEGATE DRIVE, COCKERMOUTH, CUMBERLAND, CA13 9HD	£325,000	04/08/2023	Semi-detached
24 OAKTREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HR	£215,000	16/11/2022	Semi-detached
18 CEDAR LANE, COCKERMOUTH, CUMBERLAND, CA13 9HN	£315,000	12/08/2022	Semi-detached
11 CEDAR LANE, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HN	£300,000	31/05/2022	Semi-detached
34 OAKTREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HR	£296,000	01/04/2022	Semi-detached
15 LIMETREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HW	£240,000	07/12/2021	Semi-detached
8 CEDAR LANE, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HN	£280,000	08/09/2021	Semi-detached

Area average: £285,750 (8 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).

5y growth -0.9%

10y growth 35.2%

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

1y (index) 0.7%

5y (index) 24.5%

10y (index) 66.9%

Rental Range

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

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

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

Rental Comparables

Residential lets from OpenRent and Rightmove for the area, preferring 2-bedroom lets (EPC estimate for this property). Listings without a bedroom count may still appear — check the Beds column. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Semi-Detached House, St. Helens Street, CA13	£625/mo	2	0.35 miles	OpenRent
2 Bed Terraced House, Cockermouth, CA13	£795/mo	2	0.46 miles	OpenRent
2 Bed Semi-Detached House, Loweswater Close, CA13	£850/mo	2	0.53 miles	OpenRent
2 Bed Flat, Station Street, CA13	£800/mo	2	0.55 miles	OpenRent
2 Bed Flat, Fletcher Close, CA13	£615/mo	2	0.83 miles	OpenRent

Average rent: £737/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.27%

Max investor price (0.8%) £99,375

Target investor price (1%) £79,500

Gross yield 3.2%

Cost-to-rent ratio 31.4×

Monthly cashflow £-491/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -6.8%

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)

Street-level crime

Category	Count
Violence and sexual offences	15
Criminal damage and arson	5
Anti-social behaviour	3
Other theft	2
Vehicle crime	2
Public order	1
Total incidents	28

Within 1 mile during Mar 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
Cockermouth School	Secondary	0.1 miles	Good — 1 Jun 2012
All Saints' CofE School	Primary	0.3 miles	Good — 14 Nov 2018
Fairfield Primary School	Primary	0.7 miles	Good — 27 Oct 2014
Bridekirk Dovenby CofE Primary School	Primary	2.0 miles	Outstanding — 15 Nov 2011
Eaglesfield Paddle CofE Primary Academy	Primary	2.4 miles	Good — 28 Jan 2024

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
24/10/2011	14/09/2011	3	—
29/08/2011	26/07/2011	2	2
21/11/2003	05/09/2003	1	—

# 20 BEECH LANE, COCKERMOUTH, CUMBERLAND, CA13 9HQ

## Property details

- Slug: `42345e3` (address key hash: `42345e3e3bcc53aa51291ec570e01549248ddfce`)
- Postcode: CA13 9HQ
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms (EPC estimate): 2
- Floor area: 88 m²
- EPC rating: D
- Year built: England and Wales: 1950-1966
- Last sold: £300,000 Feb 2026
- Price per m²: £3,409/m²
- Local average: £242,019 (13 sales)
- Street crime: 28 incidents within 1 mile (Mar 2026)

## Latest sale

- Price: £300,000
- Date: 2026-02-05
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £784/year

### Recommendations
- B (1,500)
- Q (14,000)
- W2 (6,000)
- E (35)
- N (6,000)
- X (2,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8153-7322-5380-6048-3922)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-05 | £300,000 | Semi-detached | — | £297,820 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-f429-d8ea-e063-4704a8c0bf7d) |

*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 |
|---------|-------|------|------|
| 20 BEECH LANE, COCKERMOUTH, CUMBERLAND, CA13 9HQ | £300,000 | 05/02/2026 | Semi-detached |

## Historic listings

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

- Matched listing: [47084505](http://87.117.209.195:8080/listings/9d4a9c9)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £300,000 |
| listed | 2017-03-02 | £230,000 |
| sold | 2017-01-01 | £215,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 31 BEECH LANE, COCKERMOUTH, CUMBERLAND, CA13 9HH | £315,000 | 12/10/2023 | Semi-detached |
| 19 CASTLEGATE DRIVE, COCKERMOUTH, CUMBERLAND, CA13 9HD | £325,000 | 04/08/2023 | Semi-detached |
| 24 OAKTREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HR | £215,000 | 16/11/2022 | Semi-detached |
| 18 CEDAR LANE, COCKERMOUTH, CUMBERLAND, CA13 9HN | £315,000 | 12/08/2022 | Semi-detached |
| 11 CEDAR LANE, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HN | £300,000 | 31/05/2022 | Semi-detached |
| 34 OAKTREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HR | £296,000 | 01/04/2022 | Semi-detached |
| 15 LIMETREE CRESCENT, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HW | £240,000 | 07/12/2021 | Semi-detached |
| 8 CEDAR LANE, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 9HN | £280,000 | 08/09/2021 | Semi-detached |

**Area average:** £285,750 (8 sales)

## Capital growth trend

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

- **5y growth:** -0.9%
- **10y growth:** 35.2%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 0.7%
- **5y growth (index):** 24.5%
- **10y growth (index):** 66.9%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/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, preferring 2-bedroom lets (EPC estimate for this property). Listings without a bedroom count may still appear — check the Beds column. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Semi-Detached House, St. Helens Street, CA13 | £625/mo | 2 | 0.35 miles | OpenRent |
| 2 Bed Terraced House, Cockermouth, CA13 | £795/mo | 2 | 0.46 miles | OpenRent |
| 2 Bed Semi-Detached House, Loweswater Close, CA13 | £850/mo | 2 | 0.53 miles | OpenRent |
| 2 Bed Flat, Station Street, CA13 | £800/mo | 2 | 0.55 miles | OpenRent |
| 2 Bed Flat, Fletcher Close, CA13 | £615/mo | 2 | 0.83 miles | OpenRent |

**Average rent: £737/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.27% (weak for cashflow)
- **Max investor price (0.8%):** £99,375
- **Target investor price (1%):** £79,500

*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 £795/mo).*

- **Gross yield:** 3.2%
- **Cost-to-rent:** 31.4×
- **Monthly cashflow:** £-491/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 | 15 |
| Criminal damage and arson | 5 |
| Anti-social behaviour | 3 |
| Other theft | 2 |
| Vehicle crime | 2 |
| Public order | 1 |
| **Total incidents** | **28** |

*Within 1 mile during Mar 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 |
|------|------|----------|--------|
| Cockermouth School | Secondary | 0.1 miles | Good — 1 Jun 2012 |
| All Saints' CofE School | Primary | 0.3 miles | Good — 14 Nov 2018 |
| Fairfield Primary School | Primary | 0.7 miles | Good — 27 Oct 2014 |
| Bridekirk Dovenby CofE Primary School | Primary | 2.0 miles | Outstanding — 15 Nov 2011 |
| Eaglesfield Paddle CofE Primary Academy | Primary | 2.4 miles | Good — 28 Jan 2024 |

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #8468819
- **Address:** 20 Beech Lane, COCKERMOUTH, CA13 9HQ
- **Certificate Issued:** 24/10/2011
- **Work Completed:** 14/09/2011
- **Items:** 3 window(s)

### FENSA Certificate #8362330
- **Address:** 20 Beech Lane, COCKERMOUTH, CA13 9HQ
- **Certificate Issued:** 29/08/2011
- **Work Completed:** 26/07/2011
- **Items:** 2 window(s), 2 door(s)

### FENSA Certificate #1059376
- **Address:** 20 Beech Lane, COCKERMOUTH, CA13 9HQ
- **Certificate Issued:** 21/11/2003
- **Work Completed:** 05/09/2003
- **Items:** 1 window(s)