# 2 bedroom terraced house for sale (CH49 0TJ) ## Property Details | Key | Value | |-----|-------| | Address | 3 ROCK BANK, WIRRAL, MERSEYSIDE CH49 0TJ | | Price | £165,000 | | Bedrooms | 2 | | Bathrooms | 1 | | Construction age | England and Wales: 1900-1929 | | Floor area | 110 m² | | Last sold | £170,000 May 2022 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Expiry date:** 28/09/2030 - **Current heating cost:** £1,035/year - **Est. upgrade cost to C:** £24,600 ### Recommendations - A3 (£1,500 - £2,700) - Q (£4,000 - £14,000) - W1 (£800 - £1,200) - G (£350 - £450) - I (£2,200 - £3,000) - 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/4400-1219-0022-9028-0103) ## 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. ## Property Photos - ![Picture No. 02](/listings/photos/108558110/1645090) - Picture No. 02 - ![Picture No. 03](/listings/photos/108558110/1645091) - Picture No. 03 - ![Picture No. 04](/listings/photos/108558110/1645095) - Picture No. 04 - ![Picture No. 05](/listings/photos/108558110/1645102) - Picture No. 05 - ![Picture No. 11](/listings/photos/108558110/1645105) - Picture No. 11 - ![Picture No. 10](/listings/photos/108558110/1645109) - Picture No. 10 - ![Picture No. 08](/listings/photos/108558110/1645115) - Picture No. 08 - ![Picture No. 09](/listings/photos/108558110/1645117) - Picture No. 09 - ![Picture No. 13](/listings/photos/108558110/1645120) - Picture No. 13 - ![Picture No. 12](/listings/photos/108558110/1645126) - Picture No. 12 - ![Picture No. 14](/listings/photos/108558110/1645129) - Picture No. 14 - ![Picture No. 07](/listings/photos/108558110/1645131) - Picture No. 07 - ![Picture No. 01](/listings/photos/108558110/1645133) - Picture No. 01 ## Floorplans - ![Floorplan](/listings/photos/108558110/1645135) - Floorplan - ![Floorplan](/listings/photos/108558110/1645137) - Floorplan - ![Floorplan](/listings/photos/108558110/1645139) - Floorplan ## EPC Graphs - ![EPC Rating Graph](/listings/photos/108558110/1645141) - EPC Rating Graph ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 3 ROCK BANK, WIRRAL, MERSEYSIDE, CH49 0TJ | £170,000 | 17/05/2022 | Terraced | | 3 ROCK BANK, WIRRAL, MERSEYSIDE, CH49 0TJ | £130,000 | 01/10/2018 | Terraced | | 3 ROCK BANK, WIRRAL, MERSEYSIDE, CH49 0TJ | £121,000 | 07/10/2016 | 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 | |---------|-------|------|------| | 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) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £169,616 (18 Terraced, CH49, 2024–2026) - **Deviation:** -2.7% ## Rental Range *ONS Price Index of Private Rents (Wirral). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £761/mo - **Realistic:** £845/mo - **Optimistic:** £930/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Wirral (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £524/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 | |------|------|------|------|------| | 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)** ## 1% Rule - **Rent ratio:** 0.54% (weak for cashflow) - **Max investor price (0.8%):** £111,875 - **Target investor price (1%):** £89,500 *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 £895/mo).* - **Gross yield:** 6.5% - **Cost-to-rent:** 15.4× - **Monthly cashflow:** £131/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 3.3% *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:** £1,500/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 21.5% - **10y growth:** 54.3% ## House Price Index (HM Land Registry) *Official index for Wirral; Terraced series; as of April 2026.* - **1y growth (index):** 7.1% - **5y growth (index):** 24.4% - **10y growth (index):** 60.4% ## 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)