# 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 | | Construction age | England and Wales: before 1900 | | Floor area | 62 m² | | Last sold | £60,000 Sep 2021 | ## EPC Rating & Upgrade Cost - **Current rating:** E - **Potential rating:** A - **Expiry date:** 03/05/2028 - **Current heating cost:** £741/year - **Est. upgrade cost to C:** £33,083 ### Recommendations - A (£100 - £350) - Q (£4,000 - £14,000) - W2 (£4,000 - £6,000) - C (£15 - £30) - D (£80 - £120) - E (£35) - F (£200 - £400) - L2 (£1,600 - £2,400) - N (£4,000 - £6,000) - O (£3,300 - £6,500) - U (£5,000 - £8,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8707-0845-9729-1107-6583) ## 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. ## 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).* ## Price per Square Metre - **£/m²:** £1,015/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 17.6% - **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)