# 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

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

## 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)