Sold STC Terraced

13 LONSDALE TERRACE

MARYPORT, DEARHAM, CUMBRIA CA15 7EW

3 beds 1 baths 743 sq ft Listed 9 Jun 2020 (-2195d)

£84,950

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# 3 bedroom terraced house for sale (CA15 7EW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 13 LONSDALE TERRACE, MARYPORT, DEARHAM, CUMBRIA CA15 7EW |
| Price | £84,950 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 69 m² |
| Last sold | £84,000 Nov 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 21/01/2029
- **Current heating cost:** £712/year
- **Est. upgrade cost to C:** £22,140

### Recommendations
- A2 (£850 - £1,500)
- B4 (£300 - £600)
- Q (£4,000 - £14,000)
- E (£15)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8001-6229-5630-9342-8922)

## Description

This lovely three bedroom property which is sold with no forward chain has recently undergone a complete transformation. New windows and doors have been installed as have a stylish new kitchen and bathroom. New carpets have been laid and the whole property has been tastefully and carefully decorated. Located in the quiet village of Dearham, the village boasts a popular school, post office, shops and pub. The nearby towns of Cockermouth, Workington and Maryport are just a short drive away. This property would make an excellent choice of home for first time buyers, couples and families. There is a light and airy lounge, new kitchen, rear hall area and a stylish new bathroom. To the first floor there are three bedrooms which enjoy a pleasant outlook. Externally the property enjoys a low maintenance garden which is a lovely place to sit and relax. To fully appreciate this property, its finish and value we highly recommend you book a viewing.

## Property Photos

- ![Exterior ](/listings/photos/71031114/602641) - Exterior 
- ![Lounge ](/listings/photos/71031114/602642) - Lounge 
- ![Kitchen](/listings/photos/71031114/602643) - Kitchen
- ![Bathroom](/listings/photos/71031114/602644) - Bathroom
- ![Bathroom](/listings/photos/71031114/602645) - Bathroom
- ![Bedroom](/listings/photos/71031114/602646) - Bedroom
- ![Bedroom](/listings/photos/71031114/602647) - Bedroom
- ![Bedroom](/listings/photos/71031114/602648) - Bedroom
- ![Exterior ](/listings/photos/71031114/602649) - Exterior

## EPC Graphs

- ![FULL EPC](/listings/photos/71031114/602650) - FULL EPC
- ![EPC GRAPH](/listings/photos/71031114/602652) - EPC GRAPH

## FENSA Certificates

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

### FENSA Certificate #2931559
- **Address:** 13 Lonsdale Terrace, Dearham, CA15 7EW
- **Certificate Issued:** 08/08/2005
- **Work Completed:** 07/07/2005
- **Items:** 7 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 13 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £84,000 | 26/11/2020 | Terraced |
| 13 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £39,000 | 21/10/2019 | Terraced |
| 13 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £74,000 | 12/05/2009 | Terraced |
| 13 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £52,000 | 29/05/2003 | Terraced |
| 13 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £33,000 | 17/05/2001 | 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 |
|---------|-------|------|------|
| 103 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £80,000 | 05/12/2025 | Terraced |
| [Same street] 17 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW | £75,000 | 18/01/2024 | Terraced |
| 59 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £109,000 | 03/11/2023 | Terraced |
| [Same street] 3 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW | £81,800 | 28/04/2023 | Terraced |
| 105 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £58,000 | 17/03/2023 | Terraced |
| [Same street] 2 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £84,950 | 19/12/2022 | Terraced |
| 58 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL | £130,500 | 18/11/2022 | Terraced |
| 24 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7ER | £90,000 | 31/10/2022 | Terraced |
| 27 MARYPORT ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EG | £140,000 | 12/10/2022 | Terraced |
| 81 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £105,000 | 29/09/2022 | Terraced |
| 56 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL | £136,000 | 04/08/2022 | Terraced |
| [Same street] 18 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £65,000 | 07/07/2022 | Terraced |
| 85 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £85,000 | 13/04/2022 | Terraced |
| 57 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £73,500 | 31/01/2022 | Terraced |
| 59 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £38,000 | 18/11/2021 | Terraced |
| [Same street] 5 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £60,000 | 29/09/2021 | Terraced |
| 58 MARYPORT ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EG | £78,750 | 17/08/2021 | Terraced |
| [Same street] 11 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £83,000 | 16/06/2021 | Terraced |

**Street average:** £74,958 (6 sales)
**Area average:** £93,646 (12 sales)

## Price vs local average

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

- **Local average:** £104,855 (28 Terraced, CA15, 2024–2026)
- **Deviation:** -19%

## 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):** £549/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 |
|------|------|------|------|------|
| 3 Bed End Terrace, Church Street, CA15 | £650/mo | 3 | 0.66 miles | OpenRent |

**Average rent: £650/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.77% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*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 £650/mo).*

- **Gross yield:** 9.2%
- **Cost-to-rent:** 10.9×
- **Monthly cashflow:** £225/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11%

*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).*

## Price per Square Metre

- **£/m²:** £1,231/m²

## Capital growth trend

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

- **5y growth:** 39.2%
- **10y growth:** 118.6%

## 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)

Exterior Lounge Kitchen Bathroom Bathroom Bedroom Bedroom Bedroom Exterior

/ 9

Property details

Floor area

69 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£84,000 Nov 2020

Price per m²

£1,231/m²

Local average

£104,855 (-19%)

Deprivation

Decile 6 (18,105 of 33,755)

Street crime

10 incidents within 1 mile (Apr 2026)

Key features

Undergone a complete renovation
New windows and doors
New kitchen and bathroom
Finished to a high standard
Sold with no forward chain
Excellent value for money

Additional details

Parking: Yes
Garden: Yes

Description

Listed by

Lillyhall

First Choice Move

Reference: 71031114

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 22/01/2019

Expiry date: 21/01/2029

Current heating cost: £712/year

Potential heating cost: £566/year

Est. upgrade cost to C: £22,140

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Party wall insulation (£300 - £600)
50 mm internal or external wall insulation (£4,000 - £14,000)
Low energy lighting for all fixed outlets (£15)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

FULL EPC

EPC GRAPH

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #2931559

Property Details

Street: 13 Lonsdale Terrace

Town: Dearham

Postcode: CA15 7EW

Installation Details

Items: 7 windows and 2 doors

Certificate Issued: 08/08/2005

Work Completed: 07/07/2005

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

155% since 2001

Event	Date	Price	% change
Sold	26/11/2020 (5 years ago)	£84,000	+115.4%
Sold	21/10/2019 (6 years ago)	£39,000	-47.3%
Sold	12/05/2009 (17 years ago)	£74,000	+42.3%
Sold	29/05/2003 (23 years ago)	£52,000	+57.6%
Sold	17/05/2001 (25 years ago)	£33,000	—

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
103 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£80,000	05/12/2025	Terraced
Same street 17 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW	£75,000	18/01/2024	Terraced
59 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£109,000	03/11/2023	Terraced
Same street 3 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW	£81,800	28/04/2023	Terraced
105 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£58,000	17/03/2023	Terraced
Same street 2 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£84,950	19/12/2022	Terraced
58 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL	£130,500	18/11/2022	Terraced
24 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7ER	£90,000	31/10/2022	Terraced
27 MARYPORT ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EG	£140,000	12/10/2022	Terraced
81 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£105,000	29/09/2022	Terraced
56 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL	£136,000	04/08/2022	Terraced
Same street 18 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£65,000	07/07/2022	Terraced
85 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£85,000	13/04/2022	Terraced
57 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£73,500	31/01/2022	Terraced
59 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£38,000	18/11/2021	Terraced
Same street 5 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£60,000	29/09/2021	Terraced
58 MARYPORT ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EG	£78,750	17/08/2021	Terraced
Same street 11 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£83,000	16/06/2021	Terraced

Street average: £74,958 (6 sales)

Area average: £93,646 (12 sales)

Capital growth trend

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

5y growth 39.2%

10y growth 118.6%

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

1y (index) -1%

5y (index) 24.4%

10y (index) 69.9%

Rental Range

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

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for West Cumbria: £549/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA15 7EW

Nearby

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

Type	Name	Distance
Bus stop	Commercial Inn (S bound)	0.0 miles
Bus stop	The Commercial Inn (SE)	0.0 miles
Shop	Spar	0.2 miles
Shop	Premier	0.5 miles
Train station	Maryport	1.8 miles
Train station	Flimby	3.0 miles
Hospital	Workington Community Hospital	5.9 miles

Street-level crime

Category	Count
Violence and sexual offences	7
Criminal damage and arson	2
Public order	1
Total incidents	10

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
Dearham Primary School	Primary	0.5 miles	Outstanding — 11 Jan 2013
Broughton Moor Primary School	Primary	1.3 miles	Requires improvement — 19 Dec 2023
Ellenborough Academy	Primary	1.5 miles	Good — 23 Oct 2014
Netherton Infant School	Primary	1.6 miles	Good — 23 Oct 2014
Ewanrigg Junior School	Primary	1.6 miles	Good — 1 May 2015

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
3 Bed End Terrace, Church Street, CA15	£650/mo	3	0.66 miles	OpenRent

Average rent: £650/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.77%

Max investor price (0.8%) £81,250

Target investor price (1%) £65,000

Gross yield 9.2%

Cost-to-rent ratio 10.9×

Monthly cashflow £225/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11%

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).