# 3 bedroom terraced house for sale (CA14 2NQ) ## Property Details | Key | Value | |-----|-------| | Address | 108 GRAY STREET, WORKINGTON, CUMBRIA CA14 2NQ | | Price | £99,950 | | Bedrooms | 3 | | Bathrooms | 2 | | Construction age | England and Wales: 1900-1929 | | Floor area | 136 m² | | Last sold | £99,950 Dec 2019 | ## EPC Rating & Upgrade Cost - **Current rating:** E - **Potential rating:** C - **Expiry date:** 19/03/2025 — **EXPIRED** (no longer valid for marketing or letting) - **Current heating cost:** £1,632/year - **Est. upgrade cost to C:** £22,340 ### Recommendations - A (£100 - £350) - Q (£4,000 - £14,000) - W2 (£4,000 - £6,000) - E (£15) - G (£350 - £450) - O3 (£1,000 - £1,400) - U (£5,000 - £8,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8585-7127-3790-4430-9922) ## Description *** 15000 PRICE REDUCTION FOR QUICK SALE*** This substantial home is just a few minutes walk from Workington town centre with its shopping centre and wide range of amenities. The property is much larger than many other similar properties in the area and boasts two reception rooms and three large double bedrooms. The property is tastefully decorated throughout and has the added bonus of being sold with no forward chain. Accommodation comprises briefly of: vestibule, hallway, large 28' lounge/diner, separate sitting/dining room, modern kitchen and there is a useful basement. To the first floor all three of the spacious double bedrooms boast original cast iron fireplace with the master benefiting from an en suite. The main bathroom is also positioned on the first floor. To fully appreciate the size of this property we highly recommended a viewing. ## Property Photos - ![Exterior ](/listings/photos/56783157/437117) - Exterior - ![Lounge/diner ](/listings/photos/56783157/437119) - Lounge/diner - ![Lounge ](/listings/photos/56783157/437121) - Lounge - ![Lounge/diner ](/listings/photos/56783157/437123) - Lounge/diner - ![Sitting room](/listings/photos/56783157/437125) - Sitting room - ![Kitchen](/listings/photos/56783157/437128) - Kitchen - ![Kitchen](/listings/photos/56783157/437132) - Kitchen - ![Hallway ](/listings/photos/56783157/437135) - Hallway - ![First floor la...](/listings/photos/56783157/437141) - First floor la... - ![Bedroom](/listings/photos/56783157/437147) - Bedroom - ![En suite ](/listings/photos/56783157/437151) - En suite - ![Bedroom](/listings/photos/56783157/437155) - Bedroom - ![Bedroom](/listings/photos/56783157/437159) - Bedroom - ![Study ](/listings/photos/56783157/437163) - Study - ![Bathroom](/listings/photos/56783157/437167) - Bathroom - ![Basement ](/listings/photos/56783157/437170) - Basement ## EPC Graphs - ![FULL EPC](/listings/photos/56783157/437173) - FULL EPC ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 108 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £99,950 | 06/12/2019 | 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 | |---------|-------|------|------| | [Same street] 61 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NQ | £125,000 | 16/01/2026 | Semi-detached | | 136 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £137,000 | 16/01/2026 | Terraced | | 7 TARN STREET, WORKINGTON, CUMBERLAND, CA14 3DQ | £73,000 | 17/12/2025 | Terraced | | 35 BRAYTON STREET, WORKINGTON, CUMBERLAND, CA14 2NP | £105,000 | 17/12/2025 | Terraced | | 35 PETER STREET, WORKINGTON, CUMBERLAND, CA14 3DW | £73,000 | 08/12/2025 | Terraced | | 12 GARFIELD STREET, WORKINGTON, CUMBERLAND, CA14 3DH | £57,000 | 18/11/2025 | Terraced | | 46 PETER STREET, WORKINGTON, CUMBERLAND, CA14 3DW | £195,000 | 18/09/2025 | Terraced | | 30 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2NN | £81,000 | 15/12/2023 | Terraced | | 171 JOHN STREET, WORKINGTON, CUMBERLAND, CA14 3DD | £80,000 | 16/10/2023 | Terraced | | 18 BROWN STREET, WORKINGTON, CUMBERLAND, CA14 2NL | £79,000 | 13/10/2023 | Terraced | | 165 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £129,250 | 12/10/2023 | Terraced | | 132 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £140,000 | 31/05/2023 | Terraced | | 16 TARN STREET, WORKINGTON, CUMBERLAND, CA14 3DQ | £57,000 | 16/05/2023 | Terraced | | 1 GARFIELD STREET, WORKINGTON, CUMBERLAND, CA14 3DH | £65,000 | 28/04/2023 | Terraced | | 8 ROPER STREET, WORKINGTON, CUMBERLAND, CA14 3BZ | £47,500 | 24/04/2023 | Terraced | | 17 BRAYTON STREET, WORKINGTON, CUMBERLAND, CA14 2NP | £100,000 | 28/03/2023 | Terraced | | 4 ROPER STREET, WORKINGTON, CUMBERLAND, CA14 3BZ | £45,000 | 22/12/2022 | Terraced | | 33 PETER STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3DW | £128,000 | 19/12/2022 | Terraced | | 59 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2NW | £70,000 | 09/12/2022 | Terraced | | 17 BELVEDERE STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NE | £129,000 | 02/12/2022 | Terraced | | 29 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NH | £110,000 | 18/11/2022 | Terraced | | [Same street] 55 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £131,000 | 20/10/2022 | Terraced | | [Same street] 59 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NQ | £100,000 | 09/08/2022 | Semi-detached | | [Same street] 120 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £95,000 | 28/01/2022 | Terraced | **Street average:** £112,750 (4 sales) **Area average:** £95,038 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £109,724 (54 Terraced, CA14, 2024–2026) - **Deviation:** -8.9% ## 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 Terraced House, Tarn Street, CA14 | £790/mo | 3 | 0.11 miles | OpenRent | | 3 Bed Terraced House, Warwick Place, CA14 | £750/mo | 3 | 0.17 miles | OpenRent | | 3 Bed Semi-Detached House, Trinity Drive, CA14 | £900/mo | 3 | 0.73 miles | OpenRent | **Average rent: £813/mo (3 listings)** ## 1% Rule - **Rent ratio:** 0.79% (weak for cashflow) - **Max investor price (0.8%):** £98,750 - **Target investor price (1%):** £79,000 *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 £790/mo).* - **Gross yield:** 9.5% - **Cost-to-rent:** 10.5× - **Monthly cashflow:** £292/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 12.1% *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:** £735/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 9.3% - **10y growth:** 24.9% ## 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)