Sold STC Terraced

5 LONSDALE TERRACE

MARYPORT, DEARHAM, CUMBRIA CA15 7EW

3 beds 1 baths 62 m² Listed 8 Dec 2020 (-2017d)

£62,950

Guide Price

Reduced on 9 Mar 2021

Save

# 3 bedroom terraced house for sale (CA15 7EW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 5 LONSDALE TERRACE, MARYPORT, DEARHAM, CUMBRIA CA15 7EW |
| Price | £62,950 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £60,000 Sep 2021 |

## Description

**Directions**

From our Cockermouth office, take the A594 in the direction of Maryport, pass through Dovenby and on entering Dearham turn right at the crossroads onto Central Road and Lonsdale Terrace can be found on the right hand side.

**Location**

Found in good order, a surprisingly spacious mid terraced family home, with an open aspect to the rear over fields towards the Lake District fells.

Excellent as a first time buy, or with some upgrading, it would be ideal as a buy to let investment with a potential yield in the region of 7%.

**Services**

Mains electricity, water & drainage.  We understand a mains gas supply is available.

## Property Photos

- ![5 Lonsdale Terrace](/listings/photos/87476128/602617) - 5 Lonsdale Terrace
- ![Lounge / Diner](/listings/photos/87476128/602618) - Lounge / Diner
- ![Lounge / Diner](/listings/photos/87476128/602619) - Lounge / Diner
- ![Lounge / Diner](/listings/photos/87476128/602620) - Lounge / Diner
- ![Lounge / Diner](/listings/photos/87476128/602621) - Lounge / Diner
- ![Kitchen](/listings/photos/87476128/602622) - Kitchen
- ![Landing](/listings/photos/87476128/602623) - Landing
- ![Landing](/listings/photos/87476128/602624) - Landing
- ![Bedroom 1](/listings/photos/87476128/602625) - Bedroom 1
- ![Bedroom 1](/listings/photos/87476128/602626) - Bedroom 1
- ![Bedroom 2](/listings/photos/87476128/602627) - Bedroom 2
- ![Bedroom 3](/listings/photos/87476128/602628) - Bedroom 3
- ![Bathroom](/listings/photos/87476128/602629) - Bathroom
- ![Rear](/listings/photos/87476128/602630) - Rear

## Floorplans

- ![Floorplan](/listings/photos/87476128/602631) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/87476128/602632) - EPC Rating Graph

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #3381738
- **Address:** 5 Lonsdale Terrace, Dearham, CA15 7EW
- **Certificate Issued:** 16/01/2006
- **Work Completed:** 02/11/2005
- **Items:** 3 window(s), 1 door(s)

### FENSA Certificate #13421926
- **Address:** 5 Lonsdale Terrace, Dearham, CA15 7EW
- **Certificate Issued:** 12/03/2019
- **Work Completed:** 14/02/2019
- **Items:** 4 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 5 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £60,000 | 29/09/2021 | Terraced |
| 5 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £52,000 | 30/07/2018 | Terraced |
| 5 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £28,000 | 14/03/1997 | 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 |
|---------|-------|------|------|
| 103 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £80,000 | 05/12/2025 | Terraced |
| 17 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW | £75,000 | 18/01/2024 | Terraced |
| 59 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £109,000 | 03/11/2023 | Terraced |
| 3 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW | £81,800 | 28/04/2023 | Terraced |
| 105 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP | £58,000 | 17/03/2023 | Terraced |
| 2 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £84,950 | 19/12/2022 | Terraced |
| 58 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL | £130,500 | 18/11/2022 | Terraced |
| 24 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7ER | £90,000 | 31/10/2022 | Terraced |
| 27 MARYPORT ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EG | £140,000 | 12/10/2022 | Terraced |
| 81 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £105,000 | 29/09/2022 | Terraced |
| 56 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL | £136,000 | 04/08/2022 | Terraced |
| 18 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW | £65,000 | 07/07/2022 | Terraced |
| 85 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £85,000 | 13/04/2022 | Terraced |
| 57 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £73,500 | 31/01/2022 | Terraced |
| 59 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP | £38,000 | 18/11/2021 | Terraced |
| 58 MARYPORT ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EG | £78,750 | 17/08/2021 | Terraced |

**Area average:** £89,406 (16 sales)

## Price vs local average

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

- **Local average:** £104,855 (28 Terraced, CA15, 2024–2026)
- **Deviation:** -40%

## 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 End Terrace, Church Street, CA15 | £650/mo | 3 | 0.66 miles | OpenRent |

**Average rent: £650/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 1.03% (strong)
- **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:** 12.4%
- **Cost-to-rent:** 8.1×
- **Monthly cashflow:** £312/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 20.5%

*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:** 20.3%
- **10y growth:** 116.8%

## 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)

5 Lonsdale Terrace Lounge / Diner Lounge / Diner Lounge / Diner Lounge / Diner Kitchen Landing Landing Bedroom 1 Bedroom 1 Bedroom 2 Bedroom 3 Bathroom Rear

/ 14

Property details

Tenure

FREEHOLD

Floor area

62 m²

Last sold

£60,000 Sep 2021

Local average

£104,855 (-40%)

Deprivation

Decile 6 (18,105 of 33,755)

Street crime

10 incidents within 1 mile (Apr 2026)

Key features

Deceptively spacious mid terrace property
3 bedrooms and bathroom to first floor
Popular location
Ideal first time buy, or buy to let investment

Additional details

Garden: Yes

Description

Located in this always popular village, midway between the local towns of Cockermouth and Maryport, a deceptively spacious, mid terraced property offering generous living space to the ground floor with three bedrooms and bathroom to the first floor. Ideal first time buy, or buy to let.

Directions
From our Cockermouth office, take the A594 in the direction of Maryport, pass through Dovenby and on entering Dearham turn right at the crossroads onto Central Road and Lonsdale Terrace can be found on the right hand side.

Location
Found in good order, a surprisingly spacious mid terraced family home, with an open aspect to the rear over fields towards the Lake District fells.

Excellent as a first time buy, or with some upgrading, it would be ideal as a buy to let investment with a potential yield in the region of 7%.

Services
Mains electricity, water & drainage. We understand a mains gas supply is available.

Listed by

Cockermouth

H&H Land & Estates Limited

Reference: 87476128

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #3381738

Property Details

Street: 5 Lonsdale Terrace

Town: Dearham

Postcode: CA15 7EW

Installation Details

Items: 3 windows and 1 door

Certificate Issued: 16/01/2006

Work Completed: 02/11/2005

This certificate data was retrieved from FENSA's database

FENSA Certificate #13421926

Property Details

Street: 5 Lonsdale Terrace

Town: Dearham

Postcode: CA15 7EW

Installation Details

Items: 4 windows

Certificate Issued: 12/03/2019

Work Completed: 14/02/2019

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

114% since 1997

Event	Date	Price	% change
Sold	29/09/2021 (4 years ago)	£60,000	+15.4%
Sold	30/07/2018 (7 years ago)	£52,000	+85.7%
Sold	14/03/1997 (29 years ago)	£28,000	—

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
103 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£80,000	05/12/2025	Terraced
17 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW	£75,000	18/01/2024	Terraced
59 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£109,000	03/11/2023	Terraced
3 LONSDALE TERRACE, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EW	£81,800	28/04/2023	Terraced
105 CENTRAL ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EP	£58,000	17/03/2023	Terraced
2 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£84,950	19/12/2022	Terraced
58 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL	£130,500	18/11/2022	Terraced
24 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7ER	£90,000	31/10/2022	Terraced
27 MARYPORT ROAD, DEARHAM, MARYPORT, CUMBERLAND, CA15 7EG	£140,000	12/10/2022	Terraced
81 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£105,000	29/09/2022	Terraced
56 LONSDALE VIEW, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EL	£136,000	04/08/2022	Terraced
18 LONSDALE TERRACE, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EW	£65,000	07/07/2022	Terraced
85 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£85,000	13/04/2022	Terraced
57 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£73,500	31/01/2022	Terraced
59 CENTRAL ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EP	£38,000	18/11/2021	Terraced
58 MARYPORT ROAD, DEARHAM, MARYPORT, ALLERDALE, CUMBRIA, CA15 7EG	£78,750	17/08/2021	Terraced

Area average: £89,406 (16 sales)

Capital growth trend

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

5y growth 20.3%

10y growth 116.8%

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 CA15 7EW

Nearby

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

Type	Name	Distance
Bus stop	Commercial Inn (S bound)	0.0 miles
Bus stop	The Commercial Inn (SE)	0.0 miles
Shop	Spar	0.2 miles
Shop	Premier	0.5 miles
Train station	Maryport	1.8 miles
Train station	Flimby	3.0 miles
Hospital	Workington Community Hospital	5.9 miles

Street-level crime

Category	Count
Violence and sexual offences	7
Criminal damage and arson	2
Public order	1
Total incidents	10

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
Dearham Primary School	Primary	0.5 miles	Outstanding — 11 Jan 2013
Broughton Moor Primary School	Primary	1.3 miles	Requires improvement — 19 Dec 2023
Ellenborough Academy	Primary	1.5 miles	Good — 23 Oct 2014
Netherton Infant School	Primary	1.6 miles	Good — 23 Oct 2014
Ewanrigg Junior School	Primary	1.6 miles	Good — 1 May 2015

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 End Terrace, Church Street, CA15	£650/mo	3	0.66 miles	OpenRent

Average rent: £650/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.03%

Max investor price (0.8%) £81,250

Target investor price (1%) £65,000

Gross yield 12.4%

Cost-to-rent ratio 8.1×

Monthly cashflow £312/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 20.5%

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).