# 2 bedroom semi-detached bungalow for sale (CA13 0JF) ## Property Details | Key | Value | |-----|-------| | Address | 13 DERWENTSIDE GARDENS, COCKERMOUTH, CUMBERLAND CA13 0JF | | Price | £206,250 | | Bedrooms | 2 | | Bathrooms | 1 | | Council tax | C | | Construction age | England and Wales: 1996-2002 | | Floor area | 62 m² | | Last sold | £206,250 Nov 2025 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** B - **Expiry date:** 25/03/2032 - **Current heating cost:** £537/year - **Est. upgrade cost to C:** £14,500 ### Recommendations - W2 (£4,000 - £6,000) - 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/3332-2827-7100-0336-4222) ## Description If you’re OVER 55 and are looking for a smashing two bedroomed bungalow within level walking distance of the town centre then this just has to be the one! You’ll be purchasing a 75% SHARE in the property under the Shared Ownership Scheme with Home Group. It truly is a delightful home which has been loved and beautifully maintained and it offers lounge and kitchen, two double bedrooms, bathroom and a conservatory to the rear which spills out onto the garden. There's also a drive, single garage and good sized yet easy to manage gardens to the front and rear. An easy ten minute level walk via the Memorial Gardens and Millers Footbridge over the River Derwent will get you into town where you'll find many independent shops and services, eateries and leisure facilities. We think this is a fabulous proposition! *** NO CHAIN *** NO CHAIN *** NO CHAIN *** **Things You Need To Know** - Gas central heating Double glazing **The Scheme** - The property is available for sale to over 55's only. You will be purchasing a 75% share of the property under the Shared Ownership Scheme (no further staircasing is permitted) and Home Group will wish to do affordability and credit checks on you prior to agreeing a sale. The sale price of £206,250 is non-negotiable. There is no rent to pay. Charges payable to Home Group as at 2023/2024 (which are reviewed annually and increase on 1st April) are: 1) Insurance charge - £100 (paid annually) 2) Management fee - £217.26 (paid annually) 3) Mantenance, repairs and cleaning - £316.79 (paid annually) 4) Reserve fund - £1,111.62 (paid annually) Please see Grisdales for information on eligibility and the application procedure. ELIGIBILITY Minimum deposit is 5-10% Total household income must be under £80,000 All applicants must be over 55 **Entrance** - Accessed via a composite door with chrome ironmongery and a frosted glazed panel and that leads into: **Inner Hallway** - With telephone point, access into the loft and useful cupboard and part glazed door leading into the lounge. The loft is boarded and has a drop down ladder. **Lounge** - 4.39 (into bay) x 4.09 (14'4" (into bay) x 13'5") - Bay window to the front, television point and gas fire with chrome frame within marble surround and matching hearth. Double doors leading to: **Kitchen** - 3.35 x 2.21 (10'11" x 7'3") - Fitted with a range of base and wall units with black laminate worktop over and chunky chrome handles, tile ceramic splashback and includes: 1.5 bowl stainless steel sink, plumbing for dishwasher, integrated electric oven with four ring gas hob over and extractor fan. Space for under-counter fridge. Vinyl flooring, wall mounted gas boiler, large window to the rear and UPVC door with frosted panelling to the rear. **Bedroom 1** - 4.65 x 2.92 (15'3" x 9'6") - Double room to the front. **Bedroom 2 / Dining Room** - 3.28 x 3.25 (10'9" x 10'7") - Double room to the rear with French doors into the conservatory **Conservatory** - 3.05 x 2.64 (10'0" x 8'7") - Fitted with tile effect floor, windows to three sides including UPVC door to the rear, perspex roof and fan light. **Bathroom** - Fitted with shower enclosure with clear screen and wall mounted shower and attachments, pedestal wash basin with cream mixer tap and low level WC. Fitted around sanitary fittings with waterproof panelling and ceramic tiles. Chrome towel holder and additional chrome fittings. Frosted window to the rear. **Garage** - 5.16 x 2.77 (16'11" x 9'1") - A driveway provides access to a single garage. With up and over door, small basin, plumbing for washing machine and space for an additional appliance. Fitted with shelving. UPVC pedestrian door to the rear. **Front Garden** - There's an attractive front garden with a circular flower bed. **Rear Garden** - A larger than expected rear garden with good sized patio and laid around the patio with golden shillies with pretty flower borders. Outside tap. **Directions** - From the town centre proceed over Derwent Bridge then turn immediately right into Wakefield Road, passing the vets and car park. Turn right signed to Derwentside Gardens, follow the road round and take the first right and the property can be found in the cul de sac. **Council Tax** - We have been advised by Cumberland Council ) that this property is placed in Tax Band C. **Viewing Arrangements** - To view this property, please contact us on . **Notes To Brochure** - Please note that all measurements have been taken using a laser tape measure which may be subject to a small margin of error. None of the appliances, heating system or fittings included within the sale have been tested or can be assumed to be in full working order. Purchasers are strongly advised to satisfy themselves by way of survey and their own enquiries. The brochure does not constitute a contract, part of a contract or warranty. **The Consumer Protection Regulations 2008** - Please contact us before viewing the property. If there is any point of particular importance to you we will be pleased to provide additional information or to make further enquiries. We will also confirm that the property remains available. This is particularly important if you are contemplating travelling some distance to view the property. **Moving With Grisdales** - Moving is an exciting time but only if everything proceeds smoothly. Whether you are selling, letting, buying or renting, we understand that moving home can be a very stressful and daunting prospect. That's why, at Grisdales, we work together as a team, giving dedicated support and advice every step of the way to help your move run as smoothly and efficiently as possible. **Lettings And Management** - If you are interested in property as an investment, we can help you every step of the way from Buy to Let advice to effective property letting and management **Surveys And Valuations** - We want your purchase to live up to those dreams, hopes and expectations. You need to know that your new home will not only be a sound investment, but also one which you will enjoy without the worry of the unknown. Grisdales offer a wide range of survey and valuation reports to meet different needs all backed by the qualification, experience and knowledge of a Chartered Surveyor. **Mortgage Advice** - Grisdales works with The Right Advice Cumbria (Bulman Pollard) part of The Right Mortgage Ltd, one of the UK's fastest-growing Networks, offering expert professional advice to find the right mortgage for you. We have access to thousands of mortgages from across the whole market in the UK. Our advice will be specifically tailored to your needs and circumstances which could be for your first home, moving home, re-mortgaging or investing in property. To find out more about how we can assist you, just call your nearest Grisdales office. Your home or property may be repossessed if you do not keep up repayments on your mortgage. Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority. You may be charged a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. ## Property Photos - ![DSC_0518.jpg](/listings/photos/164962628/590998) - DSC_0518.jpg - ![DSC_0546.jpg](/listings/photos/164962628/590999) - DSC_0546.jpg - ![DSC_0530.jpg](/listings/photos/164962628/591002) - DSC_0530.jpg - ![DSC_0525.jpg](/listings/photos/164962628/591003) - DSC_0525.jpg - ![INNER HALLWAY](/listings/photos/164962628/591004) - INNER HALLWAY - ![LOUNGE](/listings/photos/164962628/591008) - LOUNGE - ![LOUNGE](/listings/photos/164962628/591010) - LOUNGE - ![LOUNGE](/listings/photos/164962628/591013) - LOUNGE - ![KITCHEN](/listings/photos/164962628/591016) - KITCHEN - ![KITCHEN](/listings/photos/164962628/591019) - KITCHEN - ![DSC_0531.jpg](/listings/photos/164962628/591022) - DSC_0531.jpg - ![CONSERVATORY](/listings/photos/164962628/591024) - CONSERVATORY - ![CONSERVATORY](/listings/photos/164962628/591028) - CONSERVATORY - ![BEDROOM 1](/listings/photos/164962628/591031) - BEDROOM 1 - ![BEDROOM 1](/listings/photos/164962628/591033) - BEDROOM 1 - ![BEDROOM 2](/listings/photos/164962628/591036) - BEDROOM 2 - ![BEDROOM 2](/listings/photos/164962628/591039) - BEDROOM 2 - ![BATHROOM](/listings/photos/164962628/591043) - BATHROOM - ![BATHROOM](/listings/photos/164962628/591048) - BATHROOM - ![GARAGE](/listings/photos/164962628/591053) - GARAGE - ![FRONT GARDEN](/listings/photos/164962628/591054) - FRONT GARDEN - ![REAR GARDEN](/listings/photos/164962628/591057) - REAR GARDEN - ![REAR GARDEN](/listings/photos/164962628/591060) - REAR GARDEN - ![REAR GARDEN](/listings/photos/164962628/591062) - REAR GARDEN - ![DSC_0523.jpg](/listings/photos/164962628/591063) - DSC_0523.jpg - ![DSC_0526.jpg](/listings/photos/164962628/591064) - DSC_0526.jpg ## Floorplans - ![FPL 13 Derwentside Gardens.jpg](/listings/photos/164962628/591065) - FPL 13 Derwentside Gardens.jpg ## EPC Graphs - ![EE Rating](/listings/photos/164962628/591067) - EE Rating ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 13 DERWENTSIDE GARDENS, COCKERMOUTH, CUMBERLAND, CA13 0JF | £206,250 | 28/11/2025 | Semi-detached | | 13 DERWENTSIDE GARDENS, COCKERMOUTH, CUMBERLAND, CA13 0JF | £191,250 | 18/04/2023 | Semi-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 | |---------|-------|------|------| | [Same street] 24 DERWENTSIDE GARDENS, COCKERMOUTH, CUMBERLAND, CA13 0JF | £385,000 | 04/12/2025 | Other | | 17A WATERLOO STREET, COCKERMOUTH, CUMBERLAND, CA13 9NB | £184,000 | 03/02/2023 | Semi-detached | | [Same street] 36 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £300,000 | 18/10/2022 | Detached | | [Same street] 51 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £470,000 | 18/10/2022 | Detached | | [Same street] 25 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £425,000 | 21/02/2022 | Detached | | [Same street] 45 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £400,000 | 29/09/2021 | Detached | | [Same street] 18 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £335,000 | 17/08/2021 | Detached | | [Same street] 31 DERWENTSIDE GARDENS, COCKERMOUTH, ALLERDALE, CUMBRIA, CA13 0JF | £335,114 | 29/06/2021 | Terraced | **Street average:** £378,588 (7 sales) **Area average:** £184,000 (1 sale) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £242,019 (13 Semi-detached, CA13, 2024–2026) - **Deviation:** -14.8% ## Rental Range *ONS Price Index of Private Rents (North West). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £856/mo - **Realistic:** £951/mo - **Optimistic:** £1,046/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for North Cumbria (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £474/mo ## 1% Rule - **Rent ratio:** 0.46% (weak for cashflow) - **Max investor price (0.8%):** £118,875 - **Target investor price (1%):** £95,100 *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 Area rent estimate.* ## Price per Square Metre - **£/m²:** £3,327/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** -4.8% - **10y growth:** 15.8% ## House Price Index (HM Land Registry) *Official index for North West; Semi-detached series; as of March 2026.* - **1y growth (index):** 0.7% - **5y growth (index):** 24.5% - **10y growth (index):** 66.9% ## 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)