# 415 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB

## Property details

- Slug: `d963ba5` (address key hash: `d963ba58b5f6189622266ac4cb82ba228d8cd327`)
- Postcode: CA14 5AB
- Transactions on record: 1

- Tenure: Leasehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 61 m²
- EPC rating: C
- Year built: England and Wales: 1900-1929
- Last sold: £48,750 Mar 2026
- Price per m²: £799/m²
- Local average: £108,641 (59 sales)
- Street crime: 125 incidents within 1 mile (May 2026)

## Latest sale

- Price: £48,750
- Date: 2026-03-03
- Type: T
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 14/04/2035
- **Current heating cost:** £557/year
- **Est. upgrade cost to C:** £19,500

### Recommendations
- 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/9153-3049-7204-6525-7204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-03 | £48,750 | Terraced | — | £48,881 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-f435-8922-e063-4804a8c094d0) |

*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 |
|---------|-------|------|------|
| 415 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB | £48,750 | 03/03/2026 | Terraced |

## Historic listings

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

- Matched listing: [169035272](http://87.117.209.195:8080/listings/c745d76)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £48,750 |
| listed | 2025-11-05 | £50,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 307 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ | £65,000 | 17/12/2025 | Terraced |
| 61 RAILBANK DRIVE, WORKINGTON, CUMBERLAND, CA14 5DD | £138,000 | 14/11/2025 | Terraced |
| 357 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB | £35,000 | 18/09/2025 | Terraced |
| 315 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ | £69,000 | 04/12/2023 | Terraced |
| 280 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH | £73,500 | 09/12/2022 | Terraced |
| 41 CRANBOURNE STREET, WORKINGTON, CUMBERLAND, CA14 3TZ | £48,000 | 16/11/2022 | Terraced |
| 24 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £155,000 | 16/09/2022 | Terraced |
| 331 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £64,000 | 19/08/2022 | Terraced |
| 292 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH | £110,000 | 04/07/2022 | Terraced |
| 303 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £72,000 | 11/05/2022 | Terraced |
| 36 WEST VIEW WALK, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3RN | £90,000 | 21/04/2022 | Terraced |
| 313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £60,000 | 04/02/2022 | Terraced |
| 313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £60,000 | 04/02/2022 | Terraced |
| 427 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5AB | £62,000 | 12/01/2022 | Terraced |
| 48 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £140,000 | 10/12/2021 | Terraced |
| 63 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £109,000 | 25/11/2021 | Terraced |
| 61 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £102,000 | 15/10/2021 | Terraced |
| 70 CRANBOURNE STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3UA | £77,500 | 24/09/2021 | Terraced |

**Area average:** £85,000 (18 sales)

## Capital growth trend

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

- **5y growth:** 0.5%
- **10y growth:** 24.1%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## 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 |
|------|------|------|------|------|
| 2 Bed Terraced House, Mossbay Rd, CA14 | £800/mo | 2 | 0.16 miles | OpenRent |

**Average rent: £800/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 1.64% (strong)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*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 £800/mo).*

- **Gross yield:** 19.7%
- **Cost-to-rent:** 5.1×
- **Monthly cashflow:** £503/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 42.7%

*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 | 67 |
| Shoplifting | 13 |
| Public order | 12 |
| Criminal damage and arson | 10 |
| Other crime | 6 |
| Anti-social behaviour | 4 |
| Burglary | 4 |
| Other theft | 3 |
| Drugs | 2 |
| Vehicle crime | 2 |
| Bicycle theft | 1 |
| Theft from the person | 1 |
| **Total incidents** | **125** |

*Within 1 mile during May 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 |
|------|------|----------|--------|
| Westfield Nursery and Primary School | Primary | 0.4 miles | Good — 13 Feb 2023 |
| St Mary's Catholic Primary School | Primary | 0.6 miles | Good — 18 Dec 2022 |
| St Gregory's Catholic Primary School, Workington | Primary | 0.6 miles | Good — 17 Jun 2019 |
| Victoria Infant and Nursery School | Primary | 0.8 miles | Outstanding — 3 Feb 2015 |
| Victoria Junior School | Primary | 0.9 miles | Good — 16 Nov 2018 |