Detached 2 sales on record

THE SPINNEY

LAMPLUGH, WORKINGTON, CUMBERLAND, CA14 4TY

£419,950

Location

Map view View on Google Maps View on OpenStreetMap Street View CA14 4TY

Nearby

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

Type	Name	Distance
Bus stop	Post Office	0.8 miles
Shop	The Gather Shop	3.6 miles
Hospital	Cockermouth Community Hospital	6.5 miles
Train station	Harrington	6.7 miles
University	UCLan Westlakes Campus	6.9 miles

Property details

Tenure

Freehold

Property type

Detached

Last sold

£419,950 Mar 2026

Local average

£288,251 (33 sales)

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	13/03/2026	£419,950	Detached	-4.6%	£419,950 to March 2026	View transaction
Sold	24/03/2023	£440,000	Detached	—	£476,481 to March 2026	View transaction

Historic listings

Checking public listings for past sale and let events matched to this address. Refresh in a few minutes.

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

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)

For sale comparables

No active for-sale comparables found within 1 mile for the same property type.

Capital growth trend

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

5y growth 2.9%

10y growth 12.8%

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

1y (index) 1.1%

5y (index) 22.5%

10y (index) 56.4%

Rental Range

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

Low £859/mo

Realistic £954/mo

Optimistic £1,049/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. Bedroom counts vary — use the Beds column to compare like-for-like lets. 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)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.19%

Max investor price (0.8%) £99,375

Target investor price (1%) £79,500

Gross yield 2.3%

Cost-to-rent ratio 44×

Monthly cashflow £-963/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -9.5%

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
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. Data from Get Information about Schools and Ofsted.

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

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 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
- Last sold: £419,950 Mar 2026
- Local average: £288,251 (33 sales)

## Latest sale

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

## 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 |

## 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 from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. 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 |