# 2 bedroom terraced house for sale (LA12 0AZ) ## Property Details | Key | Value | |-----|-------| | Address | 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS LA12 0AZ | | Price | £179,950 | | Bedrooms | 2 | | Bathrooms | 1 | | Construction age | England and Wales: 1900-1929 | | Floor area | 71 m² | | Last sold | £160,000 Feb 2024 | ## EPC Rating & Upgrade Cost - **Current rating:** E - **Potential rating:** B - **Current heating cost:** £937/year - **Est. upgrade cost to C:** £26,523 ### Recommendations - B (£500 - £1,500) - W (£800 - £1,200) - C (£15 - £30) - D (£80 - £120) - G (£350 - £450) - I (£2,200 - £3,000) - N (£4,000 - £6,000) - O (£3,300 - £6,500) - U (£9,000 - £14,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8484-7925-2570-6286-1902) ## Description ****REDUCED TO £179,950 **** A recently renovated mid terrace house in the market town of Ulverston. The current owner has fitted a modern new kitchen and bathroom, decorated with whites and greys, with new flooring though out and newly fitted boiler and windows, This modern spacious house is ready to move straight into with out having to do anything to it. Outside there is a good sized rear patio yard with outhouse. A viewing is highly recommended to appreciate the size and presentation of this lovely home. EPC Rating E South Lakeland Council Tax Band B All Services Mains **Entrance Hall** Access from the front door into the entrance hall. Door to the lounge and dining room. Stairs to the first floor. **Lounge** 3.45 x 2.95 Neutrally decorated, white walls and skirting board, enhancing grey carpet. Double glazed window to the front, radiator and built in storage. **Dining Room** 3.45 x 3.48 This would make an ideal dining room or a second lounge, open to the kitchen and neutrally decorated with new grey carpet. This room also benefits from a floor to ceiling built in storage cupboard which we believe is original to the property. Doorway to access to the cellar. **Kitchen** 1.91 x 2.73 A newly fitted grained Dove Grey kitchen with a range of base and wall units, space for cooker and washing machine, fitted extractor fan. Stainless Steel one and half bowl sink set into the black worktops. Double glazed window and door opening in the rear patio yard. **Cellar** Access from the dining room into the cellar, with flagged floor, ceiling light and wall mounted radiator. **Stairs To First Floor** From the hallway, newly grey carpeted stairs to the first floor and landing. **Bedroom** 3.46 x 3.97 A light bright double bedroom with double glazed window over looking the front, radiator, neutral decoration and grey carpet. **Bedroom** 2.67 x 2.15 Double glazed window over looking the rear patio yard. **Bathroom** 1.66 x 3.50 A beautifully presented modern bathroom, with white bath, sink and w/c. Panelled wall over the bath area, neutrally decorated walls and grey contrasting flooring. Built in storage cupboard which houses the new boiler. **External** To the rear is an enclosed patio yard, with gated access to the rear lane. ## Property Photos - ![Main Picture](/listings/photos/86015877/601116) - Main Picture - ![Lounge](/listings/photos/86015877/601117) - Lounge - ![Dining Room](/listings/photos/86015877/601119) - Dining Room - ![Kitchen](/listings/photos/86015877/601120) - Kitchen - ![Cellar](/listings/photos/86015877/601122) - Cellar - ![Bedroom](/listings/photos/86015877/601123) - Bedroom - ![Bedroom](/listings/photos/86015877/601124) - Bedroom - ![Bathroom](/listings/photos/86015877/601125) - Bathroom - ![Photo](/listings/photos/86015877/601126) - ![External](/listings/photos/86015877/601127) - External - ![Photo](/listings/photos/86015877/601128) ## EPC Graphs - ![EPC](/listings/photos/86015877/601130) - EPC ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £160,000 | 21/02/2024 | 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 | |---------|-------|------|------| | 14 LIGHTBURN ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AU | £250,000 | 16/01/2026 | Terraced | | 25 NEVILLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BJ | £320,000 | 17/12/2025 | Terraced | | 23 ALEXANDER ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0DE | £370,000 | 02/10/2025 | Terraced | | [Same street] 28 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £164,000 | 31/05/2024 | Terraced | | [Same street] 41 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £150,000 | 23/11/2023 | Terraced | | 3 ARGYLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BD | £190,000 | 05/09/2023 | Terraced | | [Same street] 7 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £208,000 | 18/08/2023 | Terraced | | [Same street] 22 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £168,000 | 04/05/2023 | Terraced | | 36 HARTLEY STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AN | £220,000 | 27/04/2023 | Terraced | | [Same street] 34 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £190,000 | 10/03/2023 | Terraced | | 14 TYSON SQUARE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BG | £175,000 | 19/12/2022 | Terraced | | 5 HILL FALL, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BQ | £215,000 | 09/12/2022 | Terraced | | 3 BRADDYLL TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DH | £410,000 | 31/10/2022 | Terraced | | [Same street] 26 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £183,100 | 28/10/2022 | Terraced | | 62 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £280,000 | 27/10/2022 | Terraced | | THE LAURELS 5 BROGDEN STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AH | £290,000 | 29/09/2022 | Terraced | | 10 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £305,000 | 14/09/2022 | Terraced | | 8 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £300,000 | 25/07/2022 | Terraced | | 20 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £125,000 | 01/06/2022 | Terraced | | 59 LIGHTBURN AVENUE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DL | £290,000 | 20/05/2022 | Terraced | | 4 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £295,000 | 17/05/2022 | Terraced | | 58 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £227,000 | 06/05/2022 | Terraced | | 75 - 77 THE ELLERS, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AQ | £175,000 | 15/03/2022 | Terraced | | 46 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £220,000 | 28/02/2022 | Terraced | | [Same street] 38 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £235,000 | 25/02/2022 | Terraced | | 23 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £195,000 | 24/02/2022 | Terraced | | [Same street] 33 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £185,000 | 17/02/2022 | Terraced | | 12 CHAPEL STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BA | £185,000 | 10/02/2022 | Terraced | | [Same street] 25 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £127,500 | 20/08/2021 | Terraced | | [Same street] 19 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £167,000 | 20/08/2021 | Terraced | **Street average:** £177,760 (10 sales) **Area average:** £251,850 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £182,721 (33 Terraced, LA12, 2024–2026) - **Deviation:** -1.5% ## 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 Kendal (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £648/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 Detached House, Trinkeld Avenue, LA12 | £1,050/mo | 2 | 1.26 miles | OpenRent | **Average rent: £1,050/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.58% (weak for cashflow) - **Max investor price (0.8%):** £131,250 - **Target investor price (1%):** £105,000 *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 £1,050/mo).* - **Gross yield:** 7% - **Cost-to-rent:** 14.3× - **Monthly cashflow:** £211/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 4.9% *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:** £2,535/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 77% - **10y growth:** 31.3% ## 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)