Sold STC House

3 STEWART STREET

BARROW-IN-FURNESS, WESTMORLAND AND FURNESS LA14 2QB

2 beds 1 baths 570 sq ft Listed 2 Sep 2022 (-1391d)

£92,000

Reduced on 12 Dec 2022

Save

# 2 bedroom house for sale (LA14 2QB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS LA14 2QB |
| Price | £92,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1930-1949 |
| Floor area | 53 m² |
| Last sold | £90,000 Apr 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 29/09/2032
- **Current heating cost:** £1,212/year
- **Est. upgrade cost to C:** £17,675

### Recommendations
- A2 (£850 - £1,500)
- B (£500 - £1,500)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- X (£1,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0716-0203-5602-0001-6304)

## Description

The accommodation comprises open plan lounge/kitchen, two bedrooms and a bathroom suite. To the rear there is a wall enclosed yard with gated access.

Council Tax Information: Band A

## Property Photos

- ![External](/listings/photos/126629930/732091) - External
- ![Lounge view 2](/listings/photos/126629930/732099) - Lounge view 2
- ![Lounge](/listings/photos/126629930/732122) - Lounge
- ![Kitchen view 2](/listings/photos/126629930/732126) - Kitchen view 2
- ![Kitchen](/listings/photos/126629930/732130) - Kitchen
- ![Bathroom](/listings/photos/126629930/732134) - Bathroom
- ![Bedroom 1](/listings/photos/126629930/732144) - Bedroom 1
- ![Bedroom 1 view 2](/listings/photos/126629930/732155) - Bedroom 1 view 2
- ![Bedroom 2 view 2](/listings/photos/126629930/732160) - Bedroom 2 view 2
- ![Bedroom 2](/listings/photos/126629930/732174) - Bedroom 2

## Floorplans

- ![Floorplan](/listings/photos/126629930/732183) - Floorplan

## EPC Graphs

- ![EPC Graphs](/listings/photos/126629930/732195) - EPC Graphs

## FENSA Certificates

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

### FENSA Certificate #5435691
- **Address:** 3 Stewart Street, BARROW-IN-FURNESS, LA14 2QB
- **Certificate Issued:** 11/02/2008
- **Work Completed:** 29/01/2008
- **Items:** 2 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 2QB | £90,000 | 21/04/2023 | 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 |
|---------|-------|------|------|
| [Same street] 28 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 2QB | £115,000 | 14/04/2025 | Terraced |
| [Same street] 10 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 2QB | £65,000 | 17/02/2023 | Terraced |
| [Same street] 2 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB | £70,000 | 30/09/2022 | Terraced |
| [Same street] 21 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB | £42,500 | 15/09/2022 | Terraced |
| [Same street] 18 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB | £65,000 | 19/08/2022 | Terraced |
| [Same street] 3 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB | £44,000 | 18/02/2022 | Terraced |

**Street average:** £66,917 (6 sales)

## Price vs local average

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

- **Local average:** £338,438 (8 Other, LA14, 2024–2026)
- **Deviation:** -72.8%

## Rental Range

*ONS Price Index of Private Rents (North West). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Barrow-in-Furness (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £499/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 Terraced House, Keith St, LA14 | £795/mo | 2 | 0.42 miles | OpenRent |

**Average rent: £795/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.86% (okay)
- **Max investor price (0.8%):** £99,375
- **Target investor price (1%):** £79,500

*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 £795/mo).*

- **Gross yield:** 10.4%
- **Cost-to-rent:** 9.6×
- **Monthly cashflow:** £328/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 14.8%

*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:** £1,736/m²

## Capital growth trend

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

- **5y growth:** 78.2%
- **10y growth:** 111.6%

## House Price Index (HM Land Registry)

*Official index for North West; All dwelling types series; as of March 2026.*

- **1y growth (index):** -0.8%
- **5y growth (index):** 22%
- **10y growth (index):** 63.2%

## 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)

External Lounge view 2 Lounge Kitchen view 2 Kitchen Bathroom Bedroom 1 Bedroom 1 view 2 Bedroom 2 view 2 Bedroom 2

/ 10

Property details

Tenure

FREEHOLD

Floor area

53 m²

Council tax band

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£90,000 Apr 2023

Price per m²

£1,736/m²

Local average

£338,438 (-72.8%)

Deprivation

Decile 1 (360 of 33,755)

Street crime

266 incidents within 1 mile (Apr 2026)

Key features

**VIRTUAL VIEWING AVAILABLE. CLICK ON THE VIDEO TOUR ABOVE**
Two Bedroom Mid Terrace Property near Barrow Centre
Open Plan Lounge and Kitchen, Bathroom
Two Good Size Bedrooms, Rear Yard
All Electric with Under Floor Heating & Double Glazed

Additional details

Heating: Double glazing, Gas central
Garden: Yes

Description

This is an ideal buy to let property or for a first time buyer who is wanting to get onto the property ladder. This mid terrace home is well presented, and close to local amenities and public transport links.

The accommodation comprises open plan lounge/kitchen, two bedrooms and a bathroom suite. To the rear there is a wall enclosed yard with gated access.

Council Tax Information: Band A

Listed by

Barrow & South Cumbria

Farrell Heyworth

Reference: 126629930

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 30/09/2022

Expiry date: 29/09/2032

Current heating cost: £1,212/year

Potential heating cost: £759/year

Est. upgrade cost to C: £17,675

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

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Cavity wall insulation (£500 - £1,500)
Floor insulation (solid floor) (£4,000 - £6,000)
Solar water heating (£4,000 - £6,000)
High performance external doors (£1,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

FENSA Certificates

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

FENSA Certificate #5435691

Property Details

Street: 3 Stewart Street

Town: BARROW-IN-FURNESS

Postcode: LA14 2QB

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 11/02/2008

Work Completed: 29/01/2008

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

Event	Date	Price	% change
Sold	21/04/2023 (3 years ago)	£90,000	—

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
Same street 28 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 2QB	£115,000	14/04/2025	Terraced
Same street 10 STEWART STREET, BARROW-IN-FURNESS, WESTMORLAND AND FURNESS, LA14 2QB	£65,000	17/02/2023	Terraced
Same street 2 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB	£70,000	30/09/2022	Terraced
Same street 21 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB	£42,500	15/09/2022	Terraced
Same street 18 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB	£65,000	19/08/2022	Terraced
Same street 3 STEWART STREET, BARROW-IN-FURNESS, CUMBRIA, LA14 2QB	£44,000	18/02/2022	Terraced

Street average: £66,917 (6 sales)

Capital growth trend

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

5y growth 78.2%

10y growth 111.6%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: All dwelling types. As of March 2026.

1y (index) -0.8%

5y (index) 22%

10y (index) 63.2%

Rental Range

Estimated market rent for North West. Low = conservative, Realistic = average, Optimistic = best case.

Low £859/mo

Realistic £954/mo

Optimistic £1,049/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for Barrow-in-Furness: £499/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View LA14 2QB

Nearby

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

Type	Name	Distance
Bus stop	Stewart Street	0.0 miles
Bus stop	Bridge approach	0.1 miles
Shop	Halfords Autocentre	0.3 miles
Shop	Sports Direct	0.3 miles
Train station	Barrow-in-Furness	0.9 miles
Train station	Roose	1.8 miles
Hospital	Unknown	8.4 miles

Street-level crime

Category	Count
Violence and sexual offences	115
Public order	33
Shoplifting	29
Criminal damage and arson	20
Other theft	18
Drugs	13
Anti-social behaviour	12
Burglary	10
Other crime	6
Vehicle crime	5
Bicycle theft	2
Theft from the person	2
Possession of weapons	1
Total incidents	266

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
Barrow Island Community Primary School	Primary	0.4 miles	Good — 17 Jun 2014
St Columba's School	Primary	0.5 miles	Good — 5 Jul 2012
South Walney Junior School	Primary	0.6 miles	Good — 30 Nov 2012
Furness College	Other	0.6 miles	— (No rating)
South Walney Infant and Nursery School	Primary	0.6 miles	Good — 14 Sep 2018

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 Terraced House, Keith St, LA14	£795/mo	2	0.42 miles	OpenRent

Average rent: £795/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.86%

Max investor price (0.8%) £99,375

Target investor price (1%) £79,500

Gross yield 10.4%

Cost-to-rent ratio 9.6×

Monthly cashflow £328/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 14.8%

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).

Download brochure