# 2 bedroom bungalow for sale (CA25 5SA)

## Property Details

| Key | Value |
|-----|-------|
| Address | 21 MILL HILL, CLEATOR MOOR, CUMBERLAND CA25 5SA |
| Price | £99,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | D |
| Last sold | £93,000 Oct 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 26/01/2025 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £467/year
- **Est. upgrade cost to C:** £16,510

### Recommendations
- W2 (£4,000 - £6,000)
- E (£10)
- 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/8106-2533-3129-2927-3953)

## Description

It is incredibly rare to find a bungalow at this price range, for many bungalows are simply unaffordable. This bungalow not only offers great value for money but is also sold with the added bonus of no forward chain. The property is, to a large extent, suitable for anybody with disabilities as there is a ramp to the front door and a wet room. The property is located on the outskirts of the town of Cleator Moor, in a quiet residential area with the town centre being just three minutes drive away. The picturesque Cumbrian fells and shoreline are also within a 15 minute drive. A new roof was installed in approximately 2017. Within the property, which benefits from double glazing and central heating, you will find a hallway and a spacious lounge. There is a fitted kitchen which has a rear hall which, if desired, could be combined with the kitchen to create a larger room. There are two generously sized bedrooms and the aforementioned wet room. There is a low maintenance garden to the front and larger garden to the rear. The property also benefits from a private secure, gated access along the side of the property which allows the access from front to back. Internal viewing is highly recommended to fully appreciate the value and rarity of this property.

## Property Photos

- ![Photo 9](/listings/photos/125137535/461522) - Photo 9
- ![Photo 4](/listings/photos/125137535/461524) - Photo 4
- ![Photo 2](/listings/photos/125137535/461526) - Photo 2
- ![Photo 3](/listings/photos/125137535/461528) - Photo 3
- ![Photo 7](/listings/photos/125137535/461537) - Photo 7
- ![Photo 8](/listings/photos/125137535/461539) - Photo 8
- ![Photo 1](/listings/photos/125137535/461544) - Photo 1
- ![Photo 6](/listings/photos/125137535/461548) - Photo 6

## Floorplans

- ![Floor plan](/listings/photos/125137535/461551) - Floor plan

## EPC Graphs

- ![FULL EPC](/listings/photos/125137535/461556) - FULL EPC
- ![EPC GRAPH](/listings/photos/125137535/461557) - EPC GRAPH

## FENSA Certificates

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

### FENSA Certificate #6156910
- **Address:** 21 Mill Hill, CLEATOR MOOR, CA25 5SA
- **Certificate Issued:** 08/12/2008
- **Work Completed:** 09/06/2008
- **Items:** 5 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 MILL HILL, CLEATOR MOOR, CUMBERLAND, CA25 5SA | £93,000 | 02/10/2023 | 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 |
|---------|-------|------|------|
| 4 EMBER LANE, CLEATOR MOOR, CUMBERLAND, CA25 5FB | £469,000 | 11/12/2023 | Detached |
| 2 THWAITE CLOSE, CLEATOR MOOR, CUMBERLAND, CA25 5RP | £355,000 | 13/10/2023 | Detached |
| 20 CONISTON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5QF | £165,000 | 29/09/2023 | Detached |
| 8 CONISTON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5QF | £140,000 | 11/09/2023 | Detached |
| 50 CONISTON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5QF | £180,000 | 25/08/2023 | Detached |
| 3 CONISTON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5QF | £190,000 | 23/06/2023 | Detached |
| 21 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £375,000 | 16/12/2022 | Detached |
| 6 BRANTWOOD LANE, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5QG | £192,500 | 22/11/2022 | Detached |
| 19 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £387,000 | 30/09/2022 | Detached |
| 26 CONISTON PARK, CLEATOR MOOR, CUMBERLAND, CA25 5QF | £147,500 | 01/09/2022 | Detached |
| 17 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £326,000 | 12/08/2022 | Detached |
| 15 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £421,000 | 22/07/2022 | Detached |
| 3 KEEKLE MOUNT, CLEATOR MOOR, CUMBERLAND, CA25 5FD | £322,320 | 22/07/2022 | Detached |
| 11 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £403,000 | 24/06/2022 | Detached |
| 9 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £358,000 | 28/03/2022 | Detached |
| 3 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £395,000 | 18/03/2022 | Detached |
| 23 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £370,000 | 03/02/2022 | Detached |
| 1 KEEKLE MOUNT, CLEATOR MOOR, CUMBERLAND, CA25 5FD | £318,000 | 12/01/2022 | Detached |
| 1 CONISTON PARK, CLEATOR MOOR, COPELAND, CUMBRIA, CA25 5QF | £190,000 | 10/12/2021 | Detached |
| 7 KEEKLE RISE, CLEATOR MOOR, CUMBERLAND, CA25 5DF | £275,000 | 12/11/2021 | Detached |

**Area average:** £298,966 (20 sales)

## Price vs local average

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

- **Local average:** £230,000 (2 Detached, CA25, 2024–2026)
- **Deviation:** -56.5%

## 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

## 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, Norbeck Park, CA25 | £725/mo | 2 | 0.33 miles | OpenRent |
| 2 Bed Terraced House, Queen Street, CA25 | £500/mo | 2 | 0.78 miles | OpenRent |
| 2 Bed Terraced House, Duke Street, CA25 | £595/mo | 2 | 0.81 miles | OpenRent |
| 2 Bed Terraced House, Birks Road, CA25 | £695/mo | 2 | 0.87 miles | OpenRent |
| 2 Bed Terraced House, Rheda Terrace, CA25 | £650/mo | 2 | 0.87 miles | OpenRent |
| 2 Bed Terraced House, Victoria Street, CA25 | £700/mo | 2 | 0.89 miles | OpenRent |
| 2 Bed Terraced House, Victoria St, CA25 | £700/mo | 2 | 0.93 miles | OpenRent |
| 2 Bed Terraced House, Dalzell Street, CA24 | £650/mo | 2 | 0.94 miles | OpenRent |

**Average rent: £652/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **Max investor price (0.8%):** £84,125
- **Target investor price (1%):** £67,300

*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 £673/mo).*

- **Gross yield:** 8.1%
- **Cost-to-rent:** 12.4×
- **Monthly cashflow:** £187/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.7%

*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:** £1,922/m²

## Capital growth trend

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

- **5y growth:** -8.4%
- **10y growth:** 46.9%

## House Price Index (HM Land Registry)

*Official index for North West; Detached series; as of March 2026.*

- **1y growth (index):** 1.1%
- **5y growth (index):** 22.5%
- **10y growth (index):** 56.4%

## 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)