Sold Terraced

7 WEST CROFT TERRACE

WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX

3 beds 1,109 sq ft Listed 19 Aug 2019 (-2490d)

£40,000

Guide Price

Save

# 3 bedroom terraced house for sale (CA28 6PX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 7 WEST CROFT TERRACE, WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX |
| Price | £40,000 |
| Bedrooms | 3 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 103 m² |
| Last sold | £44,000 Oct 2019 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 26/08/2029
- **Current heating cost:** £949/year

### Recommendations
- A2 (1,500)
- A3 (2,700)
- B (1,500)
- G (450)
- N (6,000)
- U (5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0367-2853-6582-9021-8525)

## Description

GUIDE PRICE £40,000+

FOR SALE BY PUBLIC AUCTION on Thursday 12th September 2019 at Carlisle Racecourse - spacious terraced house with separate rear garden, 22'9 living room, fitted kitchen and first floor bathroom

*OPEN VIEWING SAT 7TH SEPT 4PM-4.30PM*

Spacious terraced house with separate rear garden

A spacious terraced house with combio gas cetral heating, uPVC double glazing and separate rear garden with summer house situated in this sought after area with easy access to Whitehaven.

Hall, living room, kitchen, two bedrooms and bathroom on the first floor and large attic room.

**Entrance Hall **

**Living Room - 22'9 x 11'3**

**Kitchen - 8'6 x 7'64'9 x 8'9**

with range of units;

**First Floor Lnding**

**Front Bedroom - 15' x 9'9**

with fitted wardrobes;

**Rear Bedroom - 12'9 x 9'**

**Bathroom - 9' x 8'9**

fully tiled with bath, basin, WC and shower;

**Attic Room **

with laminated wood floor;

**Outside**

Forecourt. Rear yard and separate rear garden beyond lane with timber workshop and summerhouse.

**EPC Rating: **TBC

**Additional Fees**

**Administration Charge: **£900.00

**Disbursements: **Please see the legal pack for any disbursements listed that may become payable by the purchaser on completion

## Property Photos

- ![Photo](/listings/photos/84095066/194346)
- ![Photo](/listings/photos/84095066/194348)
- ![Photo](/listings/photos/84095066/194351)
- ![Photo](/listings/photos/84095066/194353)
- ![Photo](/listings/photos/84095066/194355)
- ![Photo](/listings/photos/84095066/194357)
- ![Photo](/listings/photos/84095066/194359)
- ![Photo](/listings/photos/84095066/194361)
- ![Photo](/listings/photos/84095066/194363)
- ![Photo](/listings/photos/84095066/194365)
- ![Photo](/listings/photos/84095066/194367)
- ![Photo](/listings/photos/84095066/194369)
- ![Photo](/listings/photos/84095066/194370)

## Floorplans

- ![Floorplan 1](/listings/photos/84095066/194371) - Floorplan 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #10448357
- **Address:** 7 West Croft Terrace, Lowca, CA28 6PX
- **Certificate Issued:** 04/08/2014
- **Work Completed:** 15/07/2014
- **Items:** 5 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 7 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £44,000 | 10/10/2019 | Terraced |
| 7 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £31,000 | 03/05/2002 | Terraced |
| 7 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £27,000 | 08/12/2000 | 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 |
|---------|-------|------|------|
| 19 CROFT HEAD VIEW, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6QP | £144,000 | 28/11/2025 | Terraced |
| 8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £65,000 | 19/04/2024 | Terraced |
| 23 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,650 | 14/12/2022 | Terraced |
| 29 SOLWAY ROAD, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QB | £97,000 | 28/10/2022 | Terraced |
| 27 MEADOW VIEW, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QF | £92,000 | 08/04/2022 | Terraced |
| 22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £80,000 | 22/03/2022 | Terraced |
| 15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 01/10/2021 | Terraced |
| 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £85,950 | 10/09/2021 | Terraced |
| 17 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 06/08/2021 | Terraced |

**Area average:** £86,067 (9 sales)

## Price vs local average

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

- **Local average:** £130,507 (27 Terraced, CA28, 2024–2026)
- **Deviation:** -69.4%

## 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):** £549/mo

## 1% Rule

- **Rent ratio:** 2.38% (strong)
- **Max investor price (0.8%):** £118,875
- **Target investor price (1%):** £95,100

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £388/m²

## Capital growth trend

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

- **5y growth:** 56.8%
- **10y growth:** 71.7%

## 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)

Listing type

Auction

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Property details

Listing category

Auction

Floor area

103 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£44,000 Oct 2019

Price per m²

£388/m²

Local average

£130,507 (-69.4%)

Deprivation

Decile 3 (7,724 of 33,755)

Street crime

8 incidents within 1 mile (Apr 2026)

Key features

Terraced house
Separate rear garden
Combi gas c/h, uPVC d/gC
22'9 living room
Fitted kitchen
First floor bathroom
2 bedrooms
Large attic room
*OPEN VIEWING SAT 7TH SEPT 4PM-4.30PM*

Additional details

Garden: Yes

Description

GUIDE PRICE £40,000+
FOR SALE BY PUBLIC AUCTION on Thursday 12th September 2019 at Carlisle Racecourse - spacious terraced house with separate rear garden, 22'9 living room, fitted kitchen and first floor bathroom
*OPEN VIEWING SAT 7TH SEPT 4PM-4.30PM*

Spacious terraced house with separate rear garden

A spacious terraced house with combio gas cetral heating, uPVC double glazing and separate rear garden with summer house situated in this sought after area with easy access to Whitehaven.
Hall, living room, kitchen, two bedrooms and bathroom on the first floor and large attic room.

Entrance Hall
Living Room - 22'9 x 11'3
Kitchen - 8'6 x 7'64'9 x 8'9
with range of units;
First Floor Lnding
Front Bedroom - 15' x 9'9
with fitted wardrobes;
Rear Bedroom - 12'9 x 9'
Bathroom - 9' x 8'9
fully tiled with bath, basin, WC and shower;
Attic Room
with laminated wood floor;
Outside
Forecourt. Rear yard and separate rear garden beyond lane with timber workshop and summerhouse.
EPC Rating: TBC
Additional Fees
Administration Charge: £900.00
Disbursements: Please see the legal pack for any disbursements listed that may become payable by the purchaser on completion

Listed by

Carlisle

Tiffen & Co Estate Agents

Reference: 84095066

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 27/08/2019

Expiry date: 26/08/2029

Current heating cost: £949/year

Potential heating cost: £527/year

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Flat roof or sloping ceiling insulation (1,500)
Room-in-roof insulation (2,700)
Cavity wall insulation (1,500)
Upgrade heating controls (450)
Solar water heating (6,000)
Solar photovoltaic panels, 2.5 kWp (5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #10448357

Property Details

Street: 7 West Croft Terrace

Town: Lowca

Postcode: CA28 6PX

Installation Details

Items: 5 windows and 2 doors

Certificate Issued: 04/08/2014

Work Completed: 15/07/2014

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

63% since 2000

Event	Date	Price	% change
Sold	10/10/2019 (6 years ago)	£44,000	+41.9%
Sold	03/05/2002 (24 years ago)	£31,000	+14.8%
Sold	08/12/2000 (25 years ago)	£27,000	—

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
19 CROFT HEAD VIEW, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6QP	£144,000	28/11/2025	Terraced
8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX	£65,000	19/04/2024	Terraced
23 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,650	14/12/2022	Terraced
29 SOLWAY ROAD, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QB	£97,000	28/10/2022	Terraced
27 MEADOW VIEW, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QF	£92,000	08/04/2022	Terraced
22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£80,000	22/03/2022	Terraced
15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,000	01/10/2021	Terraced
2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£85,950	10/09/2021	Terraced
17 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,000	06/08/2021	Terraced

Area average: £86,067 (9 sales)

Capital growth trend

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

5y growth 56.8%

10y growth 71.7%

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 CA28 6PX

Nearby

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

Type	Name	Distance
Bus stop	Post Office (N bound)	0.1 miles
Bus stop	Post Office (W bound)	0.1 miles
Train station	Parton	0.7 miles
Shop	Moresby Convenience Store	1.7 miles
Train station	Whitehaven	1.9 miles
Shop	Unknown	1.9 miles
Hospital	West Cumberland Hospital	3.5 miles
University	UCLan Westlakes Campus	4.2 miles
Hospital	Workington Community Hospital	4.5 miles

Street-level crime

Category	Count
Violence and sexual offences	7
Criminal damage and arson	1
Total incidents	8

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
Lowca Community School	Primary	0.3 miles	Good — 23 Jun 2024
St Bridget's CofE School	Primary	0.7 miles	Good — 16 May 2022
Bransty Primary School	Primary	1.4 miles	Good — 21 Nov 2023
Moresby Primary School	Primary	1.4 miles	Good — 17 Jul 2014
Distington Community School	Primary	1.8 miles	Good — 15 Oct 2019

Rental Comparables

Loading rental comparables for this postcode. Refresh in a few minutes.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 2.38%

Max investor price (0.8%) £118,875

Target investor price (1%) £95,100

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).