# 2 bedroom terraced house for sale (CA22 2BB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 13 ST BRIDGETS LANE, EGREMONT, CUMBERLAND CA22 2BB |
| Price | £80,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £75,000 Feb 2025 |

## Description

This charming terrace cottage is located in a tucked away lane but right in the centre of town just off Market Square. Offered for sale with no chain, the property boasts deceptively spacious accommodation including an entrance hall, dining room to the front, a living room at the rear with wood burning stove, a kitchen, rear lobby and ground floor WC. To the first floor there are two bedrooms, both with feature fireplaces and a first floor bathroom. Steps lead up from the roadside through a cottage style garden and at the rear there is an enclosed courtyard garden. A super little place to call home...

EPC band TBC

## Property Photos

- ![Photo](/listings/photos/148335890/590613)
- ![Photo](/listings/photos/148335890/590614)
- ![Photo](/listings/photos/148335890/590618)
- ![Photo](/listings/photos/148335890/590622)
- ![Photo](/listings/photos/148335890/590627)
- ![Photo](/listings/photos/148335890/590631)
- ![Photo](/listings/photos/148335890/590637)
- ![Photo](/listings/photos/148335890/590643)
- ![Photo](/listings/photos/148335890/590646)

## Floorplans

- ![Floorplan 1](/listings/photos/148335890/590651) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/148335890/590655) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 13 ST BRIDGETS LANE, EGREMONT, CUMBERLAND, CA22 2BB | £75,000 | 27/02/2025 | 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 CASTLE VILLAS, EGREMONT, CUMBERLAND, CA22 2JW | £73,051 | 18/12/2025 | Terraced |
| 10 SOUTH STREET, EGREMONT, CUMBERLAND, CA22 2AY | £102,000 | 26/05/2023 | Terraced |
| [Same street] 8 ST BRIDGETS LANE, EGREMONT, CUMBERLAND, CA22 2BB | £80,000 | 24/04/2023 | Terraced |
| 14 LAMB LANE, EGREMONT, CUMBERLAND, CA22 2AH | £105,000 | 03/03/2023 | Terraced |
| 1 BOOKWELL, EGREMONT, COPELAND, CUMBRIA, CA22 2JP | £185,000 | 15/12/2022 | Terraced |
| 5 BOOKWELL, EGREMONT, COPELAND, CUMBRIA, CA22 2JP | £79,000 | 21/04/2022 | Terraced |
| 14 LAMB LANE, EGREMONT, COPELAND, CUMBRIA, CA22 2AH | £90,000 | 21/04/2022 | Terraced |
| WOODMAN, 28 CHURCH STREET, EGREMONT, COPELAND, CUMBRIA, CA22 2AW | £120,000 | 19/01/2022 | Terraced |
| MILL COURT 2 SOUTH STREET, EGREMONT, COPELAND, CUMBRIA, CA22 2AX | £169,950 | 16/08/2021 | Terraced |
| 5 LAMB LANE, EGREMONT, COPELAND, CUMBRIA, CA22 2AH | £50,000 | 01/07/2021 | Terraced |
| 4 BOOKWELL, EGREMONT, COPELAND, CUMBRIA, CA22 2JP | £75,000 | 29/06/2021 | Terraced |

**Street average:** £80,000 (1 sale)
**Area average:** £104,900 (10 sales)

## Price vs local average

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

- **Local average:** £101,842 (13 Terraced, CA22, 2024–2026)
- **Deviation:** -21.4%

## 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, Lamb Lane, CA22 | £595/mo | 2 | 0.1 miles | OpenRent |
| 2 Bed Terraced House, North Road, CA22 | £750/mo | 2 | 0.33 miles | OpenRent |
| 2 Bed Flat, Dent View, CA22 | £1,200/mo | 2 | 0.57 miles | OpenRent |

**Average rent: £848/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.94% (okay)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 11.3%
- **Cost-to-rent:** 8.9×
- **Monthly cashflow:** £335/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 17.3%

*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).*

## Capital growth trend

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

- **5y growth:** 2.8%
- **10y growth:** 15%

## 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)