Sold STC Terraced

1 BANKS TERRACE

COCKERMOUTH, LITTLE BROUGHTON, CUMBERLAND CA13 0YG

2 beds 2 baths 71 m² Listed 13 Jan 2025 (-553d)

£190,000

Guide Price

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# 2 bedroom terraced house for sale (CA13 0YG)

## Property Details

| Key | Value |
|-----|-------|
| Address | 1 BANKS TERRACE, COCKERMOUTH, LITTLE BROUGHTON, CUMBERLAND CA13 0YG |
| Price | £190,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | A |
| Last sold | £190,000 Jun 2025 |

## Description

Occupying a prime position in the centre of Little Broughton, this fantastic cottage benefits from a private garden and a detached garage at the rear with a studio above. The cottage is charming and full of character, including an entrance porch, living room with open fire, separate dining room, a farmhouse style kitchen/breakfast room, two first floor double bedrooms and a handy first floor bathroom. To the rear is a delightful cottage style garden with mature borders which are a haven for many species of wild birds. The garage plus studio at the top of the garden benefits from far reaching views to the Lakeland fells and is currently used as a guest suite but also offering versatile living/work space with an adjacent WC. Properties like this don't come along often so seize your chance now.

EPC band D

## Property Photos

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## Floorplans

- ![Floorplan 1](/listings/photos/156824288/1327398) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/156824288/1327399) - EPC 1

## FENSA Certificates

This property has 4 FENSA certificate(s) on record.

### FENSA Certificate #8499628
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 09/11/2011
- **Work Completed:** 28/10/2011
- **Items:** 5 window(s)

### FENSA Certificate #8150349
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 09/05/2011
- **Work Completed:** 20/04/2011
- **Items:** 5 window(s), 2 door(s)

### FENSA Certificate #11369200
- **Address:** 1 Peartree Gardens, Little Broughton, CA13 0YG
- **Certificate Issued:** 23/12/2015
- **Work Completed:** 12/11/2015
- **Items:** 1 window(s), 1 door(s)

### FENSA Certificate #15286163
- **Address:** 1 Banks Terrace, Little Broughton, CA13 0YG
- **Certificate Issued:** 10/07/2022
- **Work Completed:** 14/06/2022
- **Items:** 3 window(s), 1 door(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 1 BANKS TERRACE, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YG | £190,000 | 11/06/2025 | 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 |
|---------|-------|------|------|
| 85 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0LE | £125,000 | 15/12/2025 | Terraced |
| 1 ARCHWAY COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YF | £160,000 | 09/12/2025 | Terraced |
| WANSFELL HOUSE, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YG | £349,950 | 26/05/2023 | Terraced |
| 4 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY | £185,000 | 04/11/2022 | Terraced |
| 107 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £132,000 | 11/10/2022 | Terraced |
| 7 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY | £103,000 | 09/12/2021 | Terraced |
| 67 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £119,950 | 12/11/2021 | Terraced |
| 79 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE | £117,000 | 12/11/2021 | Terraced |
| GREEN BANK COTTAGE, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0YG | £70,000 | 06/08/2021 | Terraced |

**Area average:** £151,322 (9 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £185,879 (17 Terraced, CA13, 2024–2026)
- **Deviation:** +2.2%

## 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 North Cumbria (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £474/mo

## 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 Semi-Detached House, Main Street, CA13 | £595/mo | 2 | 0.3 miles | OpenRent |

**Average rent: £595/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.31% (weak for cashflow)
- **Max investor price (0.8%):** £74,375
- **Target investor price (1%):** £59,500

*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 £595/mo).*

- **Gross yield:** 3.8%
- **Cost-to-rent:** 26.6×
- **Monthly cashflow:** £-238/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -5.2%

*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).*

## Capital growth trend

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

- **5y growth:** -26.3%
- **10y growth:** -25%

## 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%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

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Property details

Tenure

FREEHOLD

Floor area

71 m²

Council tax band

Last sold

£190,000 Jun 2025

Local average

£185,879 (+2.2%)

Deprivation

Decile 9 (27,869 of 33,755)

Street crime

10 incidents within 1 mile (May 2026)

Key features

Charming period cottage in popular village
Detached garage with fabulous studio above
Living room with fireplace and dining room
Country style kitchen/breakfast room
Two double bedrooms and first floor bathroom
Studio has fell views & WC and used as guest bedroom
Lovely cottage style gardens to rear
Offered for sale with no onward chain

Additional details

Parking: Yes
Garden: Yes
Listed property: No
Restrictions: No
Required access: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

Listed by

Whitehaven

Lillingtons Ltd

Reference: 156824288

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

FENSA Certificates

This property has 4 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8499628

Property Details

Street: 1 Peartree Gardens

Town: Little Broughton

Postcode: CA13 0YG

Installation Details

Items: 5 windows

Certificate Issued: 09/11/2011

Work Completed: 28/10/2011

This certificate data was retrieved from FENSA's database

FENSA Certificate #8150349

Property Details

Street: 1 Peartree Gardens

Town: Little Broughton

Postcode: CA13 0YG

Installation Details

Items: 5 windows and 2 doors

Certificate Issued: 09/05/2011

Work Completed: 20/04/2011

This certificate data was retrieved from FENSA's database

FENSA Certificate #11369200

Property Details

Street: 1 Peartree Gardens

Town: Little Broughton

Postcode: CA13 0YG

Installation Details

Items: 1 window and 1 door

Certificate Issued: 23/12/2015

Work Completed: 12/11/2015

This certificate data was retrieved from FENSA's database

FENSA Certificate #15286163 Recent

Property Details

Street: 1 Banks Terrace

Town: Little Broughton

Postcode: CA13 0YG

Installation Details

Items: 3 windows and 1 door

Certificate Issued: 10/07/2022

Work Completed: 14/06/2022

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	11/06/2025 (1 year ago)	£190,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
85 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0LE	£125,000	15/12/2025	Terraced
1 ARCHWAY COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YF	£160,000	09/12/2025	Terraced
WANSFELL HOUSE, LITTLE BROUGHTON, COCKERMOUTH, CUMBERLAND, CA13 0YG	£349,950	26/05/2023	Terraced
4 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY	£185,000	04/11/2022	Terraced
107 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE	£132,000	11/10/2022	Terraced
7 LISTERS COTTAGES, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0XY	£103,000	09/12/2021	Terraced
67 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE	£119,950	12/11/2021	Terraced
79 CHURCH MEADOWS, GREAT BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0LE	£117,000	12/11/2021	Terraced
GREEN BANK COTTAGE, LITTLE BROUGHTON, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0YG	£70,000	06/08/2021	Terraced

Area average: £151,322 (9 sales)

Capital growth trend

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

5y growth -26.3%

10y growth -25%

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

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

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 North Cumbria: £474/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA13 0YG

Nearby

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

Type	Name	Distance
Bus stop	Top of Main Street	0.0 miles
Bus stop	Kirklea	0.1 miles
Shop	Infinity Hair By Rebecca Jade	0.3 miles
Shop	Broughton Bakehouse	0.3 miles
Train station	Maryport	3.7 miles
Train station	Flimby	3.8 miles
Hospital	Workington Community Hospital	5.2 miles
Hospital	West Cumberland Hospital	11.2 miles
University	UCLan Westlakes Campus	11.6 miles

Street-level crime

Category	Count
Violence and sexual offences	8
Criminal damage and arson	1
Vehicle crime	1
Total incidents	10

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Broughton Primary School	Primary	0.3 miles	Good — 29 Jan 2015
St Bridget's CofE School	Primary	0.9 miles	Good — 30 Apr 2014
Broughton Moor Primary School	Primary	1.8 miles	Requires improvement — 19 Dec 2023
Bridekirk Dovenby CofE Primary School	Primary	2.0 miles	Outstanding — 15 Nov 2011
Derwent Vale Primary and Nursery School	Primary	2.5 miles	Good — 27 Nov 2014

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 Semi-Detached House, Main Street, CA13	£595/mo	2	0.3 miles	OpenRent

Average rent: £595/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.31%

Max investor price (0.8%) £74,375

Target investor price (1%) £59,500

Gross yield 3.8%

Cost-to-rent ratio 26.6×

Monthly cashflow £-238/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -5.2%

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).