Sold STC Terraced

21 WEST CROFT TERRACE

WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX

2 beds 1 baths 506 sq ft Listed 15 Jan 2021 (-1977d)

£40,000

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

## Property Details

| Key | Value |
|-----|-------|
| Address | 21 WEST CROFT TERRACE, WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX |
| Price | £40,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 47 m² |
| Last sold | £48,750 Apr 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** A
- **Expiry date:** 12/01/2031
- **Est. upgrade cost to C:** £31,525

### Recommendations
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- E (£25)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)
- V2 (£15,000 - £25,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/3739-4029-3000-0877-3296)

## Description

BEST AND FINAL OFFERS ARE REQUIRED FOR THIS PROPERTY BY 12PM ON FRIDAY 22ND JANUARY 2021. West Croft Terrace is a spacious two-bed mid-terraced property offered for sale with no forward chain. Whilst requiring some refurbishment the property would be ideal for those looking for a project, or to put their own "stamp" on, or possibly an investor. The area provides easy access to the neighbouring towns of Workington and Whitehaven. The accommodation briefly comprises hallway, open plan lounge/diner and kitchen with porch to the rear. 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 and good size garden. Internal viewing is recommended.

## Property Photos

- ![Photo 9](/listings/photos/77189364/194299) - Photo 9
- ![Photo 1](/listings/photos/77189364/194301) - Photo 1
- ![Photo 2](/listings/photos/77189364/194307) - Photo 2
- ![Photo 3](/listings/photos/77189364/194314) - Photo 3
- ![Photo 4](/listings/photos/77189364/194319) - Photo 4
- ![Photo 5](/listings/photos/77189364/194322) - Photo 5
- ![Photo 6](/listings/photos/77189364/194324) - Photo 6
- ![Photo 7](/listings/photos/77189364/194326) - Photo 7
- ![Photo 8](/listings/photos/77189364/194328) - Photo 8

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £48,750 | 22/04/2021 | 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:** -69.4%

## 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:** 2.38% (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.*

## Price per Square Metre

- **£/m²:** £851/m²

## Capital growth trend

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

- **5y growth:** 62.2%
- **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)

Photo 9 Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8

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Property details

Floor area

47 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£48,750 Apr 2021

Price per m²

£851/m²

Local average

£130,507 (-69.4%)

Deprivation

Decile 3 (7,724 of 33,755)

Street crime

8 incidents within 1 mile (Apr 2026)

Key features

Large open plan lounge/diner
Two double bedrooms
Ideal investment oppourtunity
Outbuildings to the rear
No forward chain
Good size garden

Additional details

Garden: Yes

Description

Listed by

Lillyhall

First Choice Move

Reference: 77189364

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: A

Inspection date: 13/01/2021

Expiry date: 12/01/2031

Est. upgrade cost to C: £31,525

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

Recommendations

Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£25)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)
Wind turbine (£15,000 - £25,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Price history

Event	Date	Price	% change
Sold	22/04/2021 (5 years ago)	£48,750	—

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
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)

Capital growth trend

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

5y growth 62.2%

10y growth 71.7%

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: £474/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA28 6PX

Nearby

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

Type	Name	Distance
Bus stop	Post Office (N bound)	0.1 miles
Bus stop	Post Office (W bound)	0.1 miles
Train station	Parton	0.7 miles
Shop	Moresby Convenience Store	1.7 miles
Shop	Unknown	1.9 miles
Train station	Whitehaven	1.9 miles
Hospital	West Cumberland Hospital	3.5 miles
University	UCLan Westlakes Campus	4.2 miles
Hospital	Workington Community Hospital	4.5 miles

Street-level crime

Category	Count
Violence and sexual offences	7
Criminal damage and arson	1
Total incidents	8

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
Lowca Community School	Primary	0.3 miles	Good — 23 Jun 2024
St Bridget's CofE School	Primary	0.7 miles	Good — 16 May 2022
Bransty Primary School	Primary	1.4 miles	Good — 21 Nov 2023
Moresby Primary School	Primary	1.4 miles	Good — 17 Jul 2014
Distington Community School	Primary	1.8 miles	Good — 15 Oct 2019

Rental Comparables

Loading rental comparables for this postcode. Refresh in a few minutes.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 2.38%

Max investor price (0.8%) £118,875

Target investor price (1%) £95,100

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).