Sold STC Terraced

3 ROCK BANK

WIRRAL, MERSEYSIDE CH49 0TJ

2 beds 1 baths 1,184 sq ft Listed 10 Jun 2021 (-1878d)

£165,000

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Property details

Floor area

110 m²

EPC rating

D

Year built

England and Wales: 1900-1929

Last sold

£170,000 May 2022

Price per m²

£1,500/m²

Local average

£169,616 (-2.7%)

Deprivation

Decile 5 (16,155 of 33,755)

Street crime

129 incidents within 1 mile (May 2026)

Key features

  • Virtual viewing tour
  • 1087 sq ft approx
  • Terraced Cottage
  • 2 bedrooms
  • Usable loft room
  • Deceptively spacious
  • Lounge
  • Open plan kitchen/dining room
  • 2 double bedrooms
  • Stunning 4 piece bathroom

Additional details

Parking
Yes

Description

Cottage charm! This is an irresistible cottage offering a modern lifestyle and if you are looking for something a little bit different and a stone’s throw to village life then look no further. Boasting lounge, open plan kitchen dining room, 2 double bedrooms, stunning bathroom & off road parking.

Porch leads into the long entrance hall, spacious lounge area with traditional bay window and feature good size dining area having handy under stairs storage and opening into the well-appointed kitchen and door leading out to the lovely paved courtyard.
To the first floor there are two double bedrooms and stunning four piece bathroom.
Further staircase takes you up to the usable loft room which is perfect as an occasional bedroom or office.
To the front there is off road parking.

Call our office now to arrange a viewing of this lovely deceptively spacious home.

Listed by

Greasby

Karl Tatler

Reference: 108558110

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 29/09/2020

Expiry date: 28/09/2030

Current heating cost: £1,035/year

Potential heating cost: £688/year

Est. upgrade cost to C: £24,600

Recommendations

  • Room-in-roof insulation (£1,500 - £2,700)
  • 50 mm internal or external wall insulation (£4,000 - £14,000)
  • Floor insulation (suspended floor) (£800 - £1,200)
  • Upgrade heating controls (£350 - £450)
  • Replace boiler with new condensing boiler (£2,200 - £3,000)
  • Solar water heating (£4,000 - £6,000)
  • Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

Floorplan

Floorplan

Floorplan

Floorplan

Floorplan

EPC Graphs

EPC Rating Graph

EPC Rating Graph

Price history

40% since 2016

Event Date Price % change
Sold 17/05/2022 (4 years ago) £170,000 +30.8%
Sold 01/10/2018 (7 years ago) £130,000 +7.4%
Sold 07/10/2016 (9 years ago) £121,000 —

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
1 ARROWE VIEW, WIRRAL, MERSEYSIDE, CH49 0UR £144,080 25/07/2025 Terraced
2 GARFIELD TERRACE, WIRRAL, MERSEYSIDE, CH49 0TR £158,000 17/07/2023 Terraced
28 RAKE LANE, WIRRAL, MERSEYSIDE, CH49 0US £180,000 30/06/2023 Terraced
9 CHURCH ROAD, UPTON, WIRRAL, MERSEYSIDE, CH49 6JY £185,000 26/10/2022 Terraced
3 ARROWE VIEW, WIRRAL, MERSEYSIDE, CH49 0UR £145,000 29/11/2021 Terraced
5 GARFIELD TERRACE, WIRRAL, MERSEYSIDE, CH49 0TR £140,000 31/08/2021 Terraced

Area average: £158,680 (6 sales)

Capital growth trend

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

5y growth 21.5%
10y growth 54.3%

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

1y (index) 7.1%
5y (index) 24.4%
10y (index) 60.4%

Rental Range

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

Low £761/mo
Realistic £845/mo
Optimistic £930/mo

Based on Local Authority from postcode lookup → Wirral.

LHA (30th percentile) floor for Wirral: £524/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CH49 0TJ

Nearby

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

Type Name Distance
Shop Unknown 0.0 miles
Bus stop FORD ROAD/UPTON VILLAGE 0.0 miles
Train station Upton 0.6 miles
Train station Leasowe 1.6 miles
Hospital Parkfield Medical Centre 4.3 miles
Hospital Clatterbridge Cancer Centre - Wirral 4.7 miles
University Liverpool John Moores University City Campus 5.0 miles
University Liverpool Institute for Performing Arts 5.2 miles

Street-level crime

Category Count
Violence and sexual offences 62
Anti-social behaviour 25
Criminal damage and arson 9
Other theft 9
Public order 7
Other crime 6
Drugs 4
Burglary 3
Vehicle crime 3
Bicycle theft 1
Total incidents 129

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
Upton Hall School FCJ Secondary 0.1 miles Outstanding — 21 Sep 2022
St Joseph's Catholic Primary School Upton Primary 0.1 miles Good — 16 May 2019
Overchurch Infant School Primary 0.4 miles Good — 1 Dec 2010
Overchurch Junior School Primary 0.4 miles Requires improvement — 30 Nov 2021
Hayfield School Other 0.5 miles Good — 18 Sep 2017

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 Terraced House, Garfield Terrace, CH49 £1,000/mo 2 0.12 miles OpenRent
2 Bed Flat, Huddleston Close, CH49 £650/mo 2 0.87 miles OpenRent
2 Bed Flat, Huddleston Close, CH49 £725/mo 2 0.87 miles OpenRent
2 Bed Flat, Arrowe Road, CH49 £895/mo 2 0.91 miles OpenRent
2 Bed Flat, Greasby, CH49 £850/mo 2 0.93 miles OpenRent
2 Bed End Terrace, Greasby Road, CH49 £1,000/mo 2 1.21 miles OpenRent
2 Bed Flat, Wethersfield Road, CH43 £950/mo 2 1.24 miles OpenRent

Average rent: £867/mo (7 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.54%
Max investor price (0.8%) £111,875
Target investor price (1%) £89,500
Gross yield 6.5%
Cost-to-rent ratio 15.4×
Monthly cashflow £131/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term
Cash-on-cash ROI 3.3%
  • 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).