# 2 bedroom terraced house for sale (CA28 6PX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 WEST CROFT TERRACE, WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX |
| Price | £45,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £45,000 Feb 2020 |

## Description

West Croft Terrace is a spacious two-bed mid-terraced property. Whilst requiring refurbishment the property would be ideal for those looking for a project, or to put their own "stamp" on. The area provides easy access to the neighbouring towns of Workington and Whitehaven. The accommodation briefly comprises hallway, open plan lounge/diner and kitchen. To the first floor are two double bedrooms and the bathroom. Externally, there is a walled garden to the front and yard to the rear with outbuildings. Internal viewing is recommended.

## Property Photos

- ![Exterior](/listings/photos/65303265/194340) - Exterior
- ![Lounge](/listings/photos/65303265/194341) - Lounge
- ![Kitchen](/listings/photos/65303265/194342) - Kitchen
- ![Bathroom](/listings/photos/65303265/194343) - Bathroom
- ![Bedroom](/listings/photos/65303265/194344) - Bedroom
- ![Bedroom](/listings/photos/65303265/194345) - Bedroom
- ![Yard](/listings/photos/65303265/194347) - Yard

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #14723190
- **Address:** 20 West Croft Terrace, Lowca, CA28 6PX
- **Certificate Issued:** 01/08/2021
- **Work Completed:** 29/06/2021
- **Items:** 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £45,000 | 14/02/2020 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 19 CROFT HEAD VIEW, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6QP | £144,000 | 28/11/2025 | Terraced |
| [Same street] 8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £65,000 | 19/04/2024 | Terraced |
| [Same street] 10 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £2,500 | 11/10/2023 | Other |
| [Same street] 23 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,650 | 14/12/2022 | Terraced |
| 29 SOLWAY ROAD, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QB | £97,000 | 28/10/2022 | Terraced |
| 27 MEADOW VIEW, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QF | £92,000 | 08/04/2022 | Terraced |
| [Same street] 22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £80,000 | 22/03/2022 | Terraced |
| [Same street] 9 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £53,600 | 02/02/2022 | Other |
| [Same street] 15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 01/10/2021 | Terraced |
| [Same street] 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £85,950 | 10/09/2021 | Terraced |
| [Same street] 17 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 06/08/2021 | Terraced |

**Street average:** £62,213 (8 sales)
**Area average:** £111,000 (3 sales)

## Price vs local average

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

- **Local average:** £130,507 (27 Terraced, CA28, 2024–2026)
- **Deviation:** -65.5%

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

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

## 1% Rule

- **Rent ratio:** 2.11% (strong)
- **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.*

## Capital growth trend

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

- **5y growth:** 56.8%
- **10y growth:** 71.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1%
- **5y growth (index):** 24.4%
- **10y growth (index):** 69.9%

## 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)