# THE SPINNEY, LAMPLUGH, WORKINGTON, CUMBERLAND, CA14 4TY

## Property details

- Slug: `edbf0f8` (address key hash: `edbf0f891f128536f1dd14a226dcba77a4ef5769`)
- Postcode: CA14 4TY
- Transactions on record: 2

- Tenure: Freehold
- Property type: Detached
- Bedrooms: 3
- Bathrooms: 2
- Floor area: 120 m²
- EPC rating: C
- Year built: England and Wales: 2003-2006
- Last sold: £419,950 Mar 2026
- Price per m²: £3,500/m²
- Local average: £288,251 (33 sales)

## Latest sale

- Price: £419,950
- Date: 2026-03-13
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 23/04/2035
- **Current heating cost:** £776/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- 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/8535-2624-4400-0544-9226)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-13 | £419,950 | Detached | -4.6% | £419,950 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-f24f-8922-e063-4804a8c094d0) |
| Sold | 2023-03-24 | £440,000 | Detached | — | £476,481 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/fd226035-9e3b-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 |
|---------|-------|------|------|
| THE SPINNEY, LAMPLUGH, WORKINGTON, CUMBERLAND, CA14 4TY | £419,950 | 13/03/2026 | Detached |
| THE SPINNEY, LAMPLUGH, WORKINGTON, CUMBERLAND, CA14 4TY | £440,000 | 24/03/2023 | Detached |

## Historic listings

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

- Matched listing: [161228957](http://87.117.209.195:8080/listings/0afcb90)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £419,950 |
| listed | 2025-04-28 | £419,950 |
| sold | 2023-01-01 | £440,000 |
| sold | 2015-01-01 | £350,000 |
| sold | 2004-01-01 | £250,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| IMLADRIS, LAMPLUGH, WORKINGTON, CUMBERLAND, CA14 4TY | £450,000 | 23/09/2025 | Detached |
| WINDSWEPT, LAMPLUGH, WORKINGTON, COPELAND, CUMBRIA, CA14 4TY | £692,500 | 25/03/2022 | Detached |
| 1 FELL VIEW COTTAGES, LAMPLUGH, WORKINGTON, COPELAND, CUMBRIA, CA14 4TY | £155,000 | 04/02/2022 | Detached |

**Area average:** £432,500 (3 sales)

## Capital growth trend

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

- **5y growth:** 2.9%
- **10y growth:** 12.8%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 1.1%
- **5y growth (index):** 22.5%
- **10y growth (index):** 56.4%

## Rental Range

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

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Cumbria (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Mobile Home, Inglenook, CA14 | £795/mo | 2 | 0.5 miles | OpenRent |

**Average rent: £795/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.19% (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:** 2.3%
- **Cost-to-rent:** 44×
- **Monthly cashflow:** £-963/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -9.5%

*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

- **Total incidents:** 0

*Within 1 mile during Apr 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 |
|------|------|----------|--------|
| Kirkland Church of England Academy | Primary | 2.4 miles | Good — 12 Jun 2024 |
| Arlecdon Primary School | Primary | 2.8 miles | Good — 19 May 2016 |
| Dean CofE School | Primary | 2.9 miles | Good — 25 Jul 2023 |
| Ennerdale and Kinniside CofE Primary School | Primary | 3.5 miles | Good — 19 Oct 2012 |
| Eaglesfield Paddle CofE Primary Academy | Primary | 4.3 miles | Good — 28 Jan 2024 |