# 2 bedroom semi-detached bungalow for sale (CA14 2NQ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 59 GRAY STREET, WORKINGTON, CUMBERLAND CA14 2NQ |
| Price | £95,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 57 m² |
| Last sold | £100,000 Aug 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £555/year
- **Est. upgrade cost to C:** £17,725

### Recommendations
- A (£100 - £350)
- W2 (£4,000 - £6,000)
- G (£350 - £450)
- I (£2,200 - £3,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2126-3014-1207-8852-6204)

## Description

**** **** This property is in a popular residential area of Workington, ideal location for Workington Town Centre with its wide range of local shops & amenities Vulcan Park is just 5mins away. With no forward chain this would be ideal for someone looking to down size and be close to all local amenities. The accommodation - Entrance, vestibule, hallway, lounge, kitchen, separate W.C, bathroom and two bedrooms. Front & rear are gardens. 

**ENTRANCE** **/** **VESTIBULE** **/** **HALL** ****  

**LOUNGE** **12' 1" x 14' 5" (3.68m x 4.39m)**  

**KITCHEN** **14' 1" x 7' 8" (4.29m x 2.34m)**  

**INNER** **HALLWAY** **** **** with access to separate W.C and rear of property. 

**BEDROOM** **-** **1** **9' 4" x 10' 5" (2.84m x 3.18m)**  

**BEDROOM** **-** **2** **11' x 11' 2" (3.35m x 3.4m)**  

**BATHROOM** **5' 4" x 5' 11" (1.63m x 1.8m)**  

**FRONT** **&** **REAR** **OF** **PROPERTY** **** There is gardens to the front & rear of the property 

**** **** Mains gas, water, electricity and drainage. Gas central heating from a combination boiler (not tested) serving radiators.

Council Tax Band: B

Please note: The mention of any appliances and/or services within these particulars does not imply that they are in full, efficient working order.  All internal measurements are approximate and are cited to the nearest 3 inches. 

**** **** Free Market Appraisal  - Would you like to know how much your house is worth? We would be delighted to provide you with a free, no obligation valuation for your home. Please contact us to arrange an appointment. 

Looking for Property?  - Please contact us to advise us what you are looking for so we can send you details and updates on all of our properties that match your needs. 

Need a Mortgage?  Tiffen & Co Estate agents offer advice from Mortgage Advice Bureau, one of the UK's largest award winning mortgage brokers. We can search over 11,000 different mortgages from a selection of over 90 different lenders to find the right deal for you. Our advice will be specifically tailored to your needs and circumstances which could be for your first home, moving home, investing in property or remortgaging. Contact us to arrange a free consultation with one of our experienced advisors.  There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

Referral Fees - Tiffen & Co work with preferred conveyancers for a house sale or purchase. Our conveyancers are competitively priced and you are under no obligation to use their services. Should you choose to use them Tiffen & Co will receive a referral fee of £120 on completion of a sale or purchase. 

## Property Photos

- ![Photo](/listings/photos/120971084/437045)
- ![Photo](/listings/photos/120971084/437048)
- ![Photo](/listings/photos/120971084/437052)
- ![Photo](/listings/photos/120971084/437055)
- ![Photo](/listings/photos/120971084/437058)
- ![Photo](/listings/photos/120971084/437062)
- ![Photo](/listings/photos/120971084/437065)
- ![Photo](/listings/photos/120971084/437068)
- ![Photo](/listings/photos/120971084/437071)
- ![Photo](/listings/photos/120971084/437076)
- ![Photo](/listings/photos/120971084/437080)
- ![Photo](/listings/photos/120971084/437084)
- ![Photo](/listings/photos/120971084/437088)
- ![Photo](/listings/photos/120971084/437091)

## Floorplans

- ![Floorplan 1](/listings/photos/120971084/437094) - Floorplan 1

## EPC Graphs

- ![EPC Front Page](/listings/photos/120971084/437099) - EPC Front Page

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 59 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NQ | £100,000 | 09/08/2022 | Semi-detached |

## 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 |
| 45 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NH | £104,000 | 31/10/2022 | Semi-detached |
| [Same street] 55 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £131,000 | 20/10/2022 | Terraced |
| 4 IRVING STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3BX | £92,500 | 15/06/2022 | Semi-detached |
| [Same street] 120 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £95,000 | 28/01/2022 | Terraced |
| 159 VULCANS LANE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2ND | £156,000 | 24/09/2021 | Semi-detached |
| 14 PETER STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3DA | £122,500 | 06/07/2021 | Semi-detached |

**Street average:** £117,000 (3 sales)
**Area average:** £118,750 (4 sales)

## Price vs local average

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

- **Local average:** £161,919 (34 Semi-detached, CA14, 2024–2026)
- **Deviation:** -41.3%

## 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 End Terrace, Kelly Street, CA14 | £580/mo | 2 | 0.15 miles | OpenRent |
| 2 Bed Terraced House, Winifred Street, CA14 | £700/mo | 2 | 0.16 miles | OpenRent |
| 2 Bed Terraced House, Winifred Street, CA14 | £650/mo | 2 | 0.18 miles | OpenRent |
| 2 Bed Flat, Washington Street, CA14 | £650/mo | 2 | 0.23 miles | OpenRent |

**Average rent: £645/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.68% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*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 £650/mo).*

- **Gross yield:** 8.2%
- **Cost-to-rent:** 12.2×
- **Monthly cashflow:** £186/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.1%

*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:** £1,667/m²

## Capital growth trend

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

- **5y growth:** 18%
- **10y growth:** 60.8%

## House Price Index (HM Land Registry)

*Official index for North West; Semi-detached series; as of February 2026.*

- **1y growth (index):** 4.4%
- **5y growth (index):** 27.1%
- **10y growth (index):** 66%

## 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)