Detached 2 sales on record

3 FIR GARTH

CLEATOR MOOR, CUMBERLAND, CA25 5HB

£235,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA25 5HB

Nearby

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

Type	Name	Distance
Shop	KC Motor Smart	0.2 miles
Bus stop	The Crown	0.2 miles
University	UCLan Westlakes Campus	1.2 miles
Train station	Corkickle	2.5 miles
Hospital	Workington Community Hospital	8.0 miles

Property details

Tenure

Freehold

Property type

Detached

Bedrooms (EPC estimate)

Floor area

52 m²

EPC rating

Year built

England and Wales: 1996-2002

Last sold

£235,000 Jan 2026

Price per m²

£4,519/m²

Local average

£230,000 (2 sales)

Street crime

47 incidents within 1 mile (Mar 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 03/10/2018

Current heating cost: £388/year

Potential heating cost: £367/year

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

Recommendations

Replace boiler with new condensing boiler (3,000)
Solar water heating (6,000)
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	30/01/2026	£235,000	Detached	+30.6%	£238,551 to February 2026	View transaction
Sold	26/04/2023	£180,000	Detached	—	£195,455 to February 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	£235,000
listed	20/09/2025	£240,000
sold	01/01/2023	£180,000
sold	01/01/2017	£173,000
sold	01/01/2000	£75,200

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
16 SANDERSON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5JZ	£480,000	08/12/2022	Detached
22 FIR GARTH, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HB	£215,000	13/10/2022	Detached
33 THREAPLANDS, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HA	£205,000	05/10/2022	Detached
2 CROWN PLACE, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5GZ	£275,000	14/03/2022	Detached
21 FIR GARTH, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HB	£207,000	14/12/2021	Detached
9 SANDERSON PARK, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5JZ	£275,000	18/11/2021	Detached

Area average: £276,167 (6 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 3.3%

10y growth -21.7%

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

1y (index) 2.8%

5y (index) 24.6%

10y (index) 56.3%

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 West 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 Terraced House, Norbeck Park, CA25	£725/mo	2	0.25 miles	OpenRent
2 Bed Terraced House, Queen Street, CA25	£500/mo	2	0.52 miles	OpenRent
2 Bed Terraced House, Birks Road, CA25	£695/mo	2	0.52 miles	OpenRent
2 Bed Terraced House, Rheda Terrace, CA25	£650/mo	2	0.53 miles	OpenRent
2 Bed Terraced House, Duke Street, CA25	£595/mo	2	0.56 miles	OpenRent
2 Bed Terraced House, Victoria Street, CA25	£700/mo	2	0.62 miles	OpenRent
2 Bed Terraced House, Victoria St, CA25	£700/mo	2	0.66 miles	OpenRent
2 Bed Terraced House, Dalzell Street, CA24	£650/mo	2	1.06 miles	OpenRent

Average rent: £652/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.29%

Max investor price (0.8%) £84,125

Target investor price (1%) £67,300

Gross yield 3.4%

Cost-to-rent ratio 29.1×

Monthly cashflow £-345/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -6.1%

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	22
Anti-social behaviour	7
Criminal damage and arson	5
Drugs	4
Public order	4
Vehicle crime	2
Bicycle theft	1
Other theft	1
Possession of weapons	1
Total incidents	47

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
St Patrick's Catholic Primary School	Primary	1.0 miles	Good — 30 Oct 2019
Montreal CofE Primary School	Primary	1.0 miles	Good — 16 Sep 2019
Cleator Moor Nursery School	Nursery	1.0 miles	Requires improvement — 21 May 2024
Moor Row Community Primary School	Primary	1.2 miles	Good — 10 Jul 2024
The Whitehaven Academy	Secondary	1.5 miles	Good — 12 Jul 2023

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
08/12/2024	04/12/2024	12	3

# 3 FIR GARTH, CLEATOR MOOR, CUMBERLAND, CA25 5HB

## Property details

- Slug: `6134af6` (address key hash: `6134af6a9e9dbe36dd6a54705a8a33ee9947b4f3`)
- Postcode: CA25 5HB
- Transactions on record: 2

- Tenure: Freehold
- Property type: Detached
- Bedrooms (EPC estimate): 2
- Floor area: 52 m²
- EPC rating: D
- Year built: England and Wales: 1996-2002
- Last sold: £235,000 Jan 2026
- Price per m²: £4,519/m²
- Local average: £230,000 (2 sales)
- Street crime: 47 incidents within 1 mile (Mar 2026)

## Latest sale

- Price: £235,000
- Date: 2026-01-30
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £388/year

### Recommendations
- I (3,000)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0178-0924-6240-5218-5914)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-30 | £235,000 | Detached | +30.6% | £238,551 (to February 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-f25f-d8ea-e063-4704a8c0bf7d) |
| Sold | 2023-04-26 | £180,000 | Detached | — | £195,455 (to February 2026) | [View](http://87.117.209.195:8080/house-prices/fd226035-9dfb-4cb7-e053-4804a8c00430) |

*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 |
|---------|-------|------|------|
| 3 FIR GARTH, CLEATOR MOOR, CUMBERLAND, CA25 5HB | £235,000 | 30/01/2026 | Detached |
| 3 FIR GARTH, CLEATOR MOOR, CUMBERLAND, CA25 5HB | £180,000 | 26/04/2023 | Detached |

## Historic listings

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

- Matched listing: [167223539](http://87.117.209.195:8080/listings/fa5bb92)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £235,000 |
| listed | 2025-09-20 | £240,000 |
| sold | 2023-01-01 | £180,000 |
| sold | 2017-01-01 | £173,000 |
| sold | 2000-01-01 | £75,200 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 16 SANDERSON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5JZ | £480,000 | 08/12/2022 | Detached |
| 22 FIR GARTH, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HB | £215,000 | 13/10/2022 | Detached |
| 33 THREAPLANDS, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HA | £205,000 | 05/10/2022 | Detached |
| 2 CROWN PLACE, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5GZ | £275,000 | 14/03/2022 | Detached |
| 21 FIR GARTH, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5HB | £207,000 | 14/12/2021 | Detached |
| 9 SANDERSON PARK, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5JZ | £275,000 | 18/11/2021 | Detached |

**Area average:** £276,167 (6 sales)

## Capital growth trend

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

- **5y growth:** 3.3%
- **10y growth:** -21.7%

## House Price Index (HM Land Registry)

*Official index for North West; Detached series; as of February 2026.*

- **1y growth (index):** 2.8%
- **5y growth (index):** 24.6%
- **10y growth (index):** 56.3%

## 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 West 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 Terraced House, Norbeck Park, CA25 | £725/mo | 2 | 0.25 miles | OpenRent |
| 2 Bed Terraced House, Queen Street, CA25 | £500/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Terraced House, Birks Road, CA25 | £695/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Terraced House, Rheda Terrace, CA25 | £650/mo | 2 | 0.53 miles | OpenRent |
| 2 Bed Terraced House, Duke Street, CA25 | £595/mo | 2 | 0.56 miles | OpenRent |
| 2 Bed Terraced House, Victoria Street, CA25 | £700/mo | 2 | 0.62 miles | OpenRent |
| 2 Bed Terraced House, Victoria St, CA25 | £700/mo | 2 | 0.66 miles | OpenRent |
| 2 Bed Terraced House, Dalzell Street, CA24 | £650/mo | 2 | 1.06 miles | OpenRent |

**Average rent: £652/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.29% (weak for cashflow)
- **Max investor price (0.8%):** £84,125
- **Target investor price (1%):** £67,300

*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 £673/mo).*

- **Gross yield:** 3.4%
- **Cost-to-rent:** 29.1×
- **Monthly cashflow:** £-345/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -6.1%

*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 | 22 |
| Anti-social behaviour | 7 |
| Criminal damage and arson | 5 |
| Drugs | 4 |
| Public order | 4 |
| Vehicle crime | 2 |
| Bicycle theft | 1 |
| Other theft | 1 |
| Possession of weapons | 1 |
| **Total incidents** | **47** |

*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 |
|------|------|----------|--------|
| St Patrick's Catholic Primary School | Primary | 1.0 miles | Good — 30 Oct 2019 |
| Montreal CofE Primary School | Primary | 1.0 miles | Good — 16 Sep 2019 |
| Cleator Moor Nursery School | Nursery | 1.0 miles | Requires improvement — 21 May 2024 |
| Moor Row Community Primary School | Primary | 1.2 miles | Good — 10 Jul 2024 |
| The Whitehaven Academy | Secondary | 1.5 miles | Good — 12 Jul 2023 |

## FENSA Certificates

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

### FENSA Certificate #16594209
- **Address:** 3 Fir Garth, CLEATOR MOOR, CA25 5HB
- **Certificate Issued:** 08/12/2024
- **Work Completed:** 04/12/2024
- **Items:** 12 window(s), 3 door(s)