Sold Terraced

106 GRAY STREET

WORKINGTON, WORKINGTON, CUMBRIA CA14 2NQ

3 beds 1 baths 94 m² Listed 18 Aug 2022 (-1395d)

£112,500

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# 3 bedroom terraced house for sale (CA14 2NQ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 106 GRAY STREET, WORKINGTON, WORKINGTON, CUMBRIA CA14 2NQ |
| Price | £112,500 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £110,000 Dec 2006 |

## Description

Perhaps you are looking for a project for your next property, it might be that you want to add value to your next home, this could be the ideal property for you. Whilst in need of some modernisation the property benefits from central heating and double glazing were stated. Houses on the street, finished a high standard, can go for around £130,000. The property is just a short stroll into the heart of Workington, where you will find a range of shops, café's and amenities. It will be an ideal property for anybody who works or socialises in the town centre. The property has plenty of space both inside and also out as there is a substantial yard to the rear where there is also a brick built outbuilding, split into two, providing excellent storage. Within the property there is a hallway and a spacious lounge featuring a wood-burning stove and large bay window which creates an attractive feature. There is a second reception room, which offers plenty of space and makes an ideal dining room or sitting room as desired. The kitchen, which is located towards the rear of the property, is of a generous size. To the first floor the spacious landing leads to all three bedrooms which includes a substantial master bedroom. The family bathroom is also conveniently located by the bedrooms on the first floor. Viewing is highly recommended fully appreciate everything the property has to offer.

## Property Photos

- ![Photo 9](/listings/photos/126169031/437189) - Photo 9
- ![Photo 6](/listings/photos/126169031/437191) - Photo 6
- ![Photo 4](/listings/photos/126169031/437194) - Photo 4
- ![Photo 7](/listings/photos/126169031/437196) - Photo 7
- ![Photo 2](/listings/photos/126169031/437201) - Photo 2
- ![Photo 3](/listings/photos/126169031/437210) - Photo 3
- ![Photo 1](/listings/photos/126169031/437218) - Photo 1
- ![Photo 5](/listings/photos/126169031/437241) - Photo 5
- ![Photo 8](/listings/photos/126169031/437245) - Photo 8

## EPC Graphs

- ![EPC GRAPH](/listings/photos/126169031/437246) - EPC GRAPH
- ![FULL EPC](/listings/photos/126169031/437247) - FULL EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 106 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £110,000 | 15/12/2006 | Terraced |
| 106 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £34,500 | 20/05/1996 | 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 |
| 27 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £100,000 | 13/12/2023 | Terraced |
| 29 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £105,000 | 24/11/2023 | 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 |
| 25 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £69,500 | 31/07/2023 | 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 |
| [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:** £93,313 (20 sales)

## Price vs local average

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

- **Local average:** £109,724 (54 Terraced, CA14, 2024–2026)
- **Deviation:** +2.5%

## 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):** £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 | 0.1 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:** 0.7% (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:** 8.4%
- **Cost-to-rent:** 11.9×
- **Monthly cashflow:** £243/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.9%

*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).*

## 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)

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Property details

Tenure

FREEHOLD

Floor area

94 m²

Last sold

£110,000 Dec 2006

Local average

£109,724 (+2.5%)

Deprivation

Decile 3 (9,161 of 33,755)

Street crime

192 incidents within 1 mile (Apr 2026)

Key features

Spacious lounge with bay window
Versatile dining/sitting room
Three light and airy bedrooms
Benefits from a large kitchen
Short stroll to the town centre
Large yard to the rear
Sold with no forward chain
First floor bathroom suite

Additional details

Garden: Yes

Description

Listed by

Lillyhall

First Choice Move

Reference: 126169031

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC GRAPH

FULL EPC

Price history

219% since 1996

Event	Date	Price	% change
Sold	15/12/2006 (19 years ago)	£110,000	+218.8%
Sold	20/05/1996 (30 years ago)	£34,500	—

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
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
27 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS	£100,000	13/12/2023	Terraced
29 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS	£105,000	24/11/2023	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
25 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS	£69,500	31/07/2023	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
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: £93,313 (20 sales)

Capital growth trend

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

5y growth 9.3%

10y growth 24.9%

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: £549/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA14 2NQ

Nearby

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

Type	Name	Distance
Shop	Braniff & Davidson	0.1 miles
Shop	Diamons Nails	0.1 miles
Bus stop	John Street at Victoria Place	0.1 miles
Bus stop	Oxford St (E bound)	0.1 miles
Hospital	Workington Community Hospital	0.1 miles
Train station	Workington	0.5 miles
Train station	Harrington	2.1 miles
Hospital	West Cumberland Hospital	7.8 miles
University	UCLan Westlakes Campus	8.4 miles

Street-level crime

Category	Count
Violence and sexual offences	85
Public order	20
Anti-social behaviour	16
Criminal damage and arson	16
Shoplifting	16
Other theft	11
Drugs	10
Other crime	9
Burglary	5
Possession of weapons	2
Robbery	1
Vehicle crime	1
Total incidents	192

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
St Josephs Catholic High School, Workington	Secondary	0.2 miles	Requires improvement — 21 Jan 2024
Victoria Junior School	Primary	0.3 miles	Good — 16 Nov 2018
St Patrick's Catholic Primary School	Primary	0.3 miles	Good — 8 Jun 2015
St Michael's Nursery and Infant School	Primary	0.4 miles	Good — 11 Feb 2015
Ashfield Infant & Nursery School	Primary	0.4 miles	Outstanding — 3 Dec 2018

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	0.1 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)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.7%

Max investor price (0.8%) £98,750

Target investor price (1%) £79,000

Gross yield 8.4%

Cost-to-rent ratio 11.9×

Monthly cashflow £243/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.9%

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).