Sold STC Detached

6 LOWTHER GARDENS

WHITEHAVEN, CUMBRIA CA28 9LE

2 beds 2 baths 68 m² Listed 16 Jun 2022 (-1495d)

£175,000

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# 2 bedroom detached bungalow for sale (CA28 9LE)

## Property Details

| Key | Value |
|-----|-------|
| Address | 6 LOWTHER GARDENS, WHITEHAVEN, CUMBRIA CA28 9LE |
| Price | £175,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Last sold | £175,000 Aug 2022 |

## Description

Lillingtons are delighted to bring to the market this beautiful detached bungalow located in an elevated position overlooking the town and Lake District Fells to the front.

The property is light and airy and benefits from a breakfast kitchen, lounge which leads to the conservatory, two double bedrooms with the master having an en-suite shower room and a family bathroom. Externally is a laid to lawn garden and driveway with parking for 2 cars.

EPC band C

## Property Photos

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## EPC Graphs

- ![EPC 1](/listings/photos/123988796/1347941) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 6 LOWTHER GARDENS, WHITEHAVEN, COPELAND, CUMBRIA, CA28 9LE | £175,000 | 17/08/2022 | Detached |
| 6 LOWTHER GARDENS, WHITEHAVEN, COPELAND, CUMBRIA, CA28 9LE | £141,500 | 01/12/2011 | 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 |
|---------|-------|------|------|
| 2 MAYFLOWER LANE, WHITEHAVEN, CUMBERLAND, CA28 9DQ | £229,950 | 27/01/2023 | Detached |

**Area average:** £229,950 (1 sale)

## Price vs local average

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

- **Local average:** £316,719 (21 Detached, CA28, 2024–2026)
- **Deviation:** -44.7%

## 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).*

- **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, Brakeside Gardens, CA28 | £900/mo | 2 | 0.37 miles | OpenRent |
| 2 Bed Semi-Detached House, Latrigg Road, CA28 | £700/mo | 2 | 0.48 miles | OpenRent |
| 2 Bed Semi-Detached House, Westmorland Road, CA28 | £795/mo | 2 | 0.83 miles | OpenRent |
| 2 Bed Terraced House, Main St, CA28 | £750/mo | 2 | 1.13 miles | OpenRent |
| 2 Bed Flat, Scotch Street, CA28 | £575/mo | 2 | 1.25 miles | OpenRent |

**Average rent: £744/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.43% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 5.1%
- **Cost-to-rent:** 19.4×
- **Monthly cashflow:** £-39/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -0.9%

*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:** 7%
- **10y growth:** 49.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 5.5%
- **5y growth (index):** 24.2%
- **10y growth (index):** 53.6%

## 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

68 m²

Last sold

£175,000 Aug 2022

Local average

£316,719 (-44.7%)

Deprivation

Decile 1 (241 of 33,755)

Street crime

74 incidents within 1 mile (May 2026)

Additional details

Parking: Yes
Garden: Yes

Description

Lillingtons are delighted to bring to the market this beautiful detached bungalow located in an elevated position overlooking the town and Lake District Fells to the front.
The property is light and airy and benefits from a breakfast kitchen, lounge which leads to the conservatory, two double bedrooms with the master having an en-suite shower room and a family bathroom. Externally is a laid to lawn garden and driveway with parking for 2 cars.

EPC band C

Listed by

Whitehaven

Lillingtons Ltd

Reference: 123988796

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC 1

Price history

24% since 2011

Event	Date	Price	% change
Sold	17/08/2022 (3 years ago)	£175,000	+23.7%
Sold	01/12/2011 (14 years ago)	£141,500	—

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
2 MAYFLOWER LANE, WHITEHAVEN, CUMBERLAND, CA28 9DQ	£229,950	27/01/2023	Detached

Area average: £229,950 (1 sale)

Capital growth trend

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

5y growth 7%

10y growth 49.7%

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

1y (index) 5.5%

5y (index) 24.2%

10y (index) 53.6%

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: £474/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA28 9LE

Nearby

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

Type	Name	Distance
Bus stop	Greenbank Valley View Road	0.1 miles
Bus stop	Greenbank Bowness Road	0.1 miles
Shop	Nisa	0.6 miles
Shop	Premier	0.7 miles
Train station	Corkickle	0.9 miles
Hospital	West Cumberland Hospital	1.0 miles
University	UCLan Westlakes Campus	1.6 miles
Train station	Whitehaven	1.7 miles
Hospital	Workington Community Hospital	8.0 miles

Street-level crime

Category	Count
Violence and sexual offences	48
Criminal damage and arson	7
Other theft	7
Other crime	3
Public order	3
Burglary	2
Vehicle crime	2
Bicycle theft	1
Drugs	1
Total incidents	74

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
St Mary's Catholic Primary School	Primary	0.5 miles	Outstanding — 27 Mar 2014
Valley Primary School and Nursery	Primary	0.6 miles	Good — 26 Mar 2015
Kells Infant School	Primary	0.6 miles	— (Inspected (no overall grade))
St Gregory and St Patrick's Catholic Infant School	Primary	0.7 miles	Good — 7 May 2024
Monkwray Junior School	Primary	0.7 miles	Good — 2 Apr 2013

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, Brakeside Gardens, CA28	£900/mo	2	0.37 miles	OpenRent
2 Bed Semi-Detached House, Latrigg Road, CA28	£700/mo	2	0.48 miles	OpenRent
2 Bed Semi-Detached House, Westmorland Road, CA28	£795/mo	2	0.83 miles	OpenRent
2 Bed Terraced House, Main St, CA28	£750/mo	2	1.13 miles	OpenRent
2 Bed Flat, Scotch Street, CA28	£575/mo	2	1.25 miles	OpenRent

Average rent: £744/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.43%

Max investor price (0.8%) £93,750

Target investor price (1%) £75,000

Gross yield 5.1%

Cost-to-rent ratio 19.4×

Monthly cashflow £-39/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -0.9%

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).