# 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 | | Construction age | England and Wales: before 1900 | | Floor area | 94 m² | | Last sold | £110,000 Dec 2006 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Expiry date:** 18/05/2025 — **EXPIRED** (no longer valid for marketing or letting) - **Current heating cost:** £969/year - **Est. upgrade cost to C:** £22,150 ### Recommendations - A (£100 - £350) - B (£500 - £1,500) - Q (£4,000 - £14,000) - E (£25) - G (£350 - £450) - 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/8502-1113-5629-1197-9553) ## 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 | | 35 BRAYTON STREET, WORKINGTON, CUMBERLAND, CA14 2NP | £105,000 | 17/12/2025 | Terraced | | 7 TARN STREET, WORKINGTON, CUMBERLAND, CA14 3DQ | £73,000 | 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).* ## Price per Square Metre - **£/m²:** £1,197/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)