Sold STC Terraced

West Croft Terrace

Lowca, CA28 6PX

2 beds 1 baths Listed 1 Apr 2021 (-1896d)

£69,950

Save

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

## Property Details

| Key | Value |
|-----|-------|
| Address | West Croft Terrace, Lowca, CA28 6PX |
| Price | £69,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £70,000 |

## Description

West Croft Terrace is a spacious two-bed, traditional, mid-terraced property.  The property has been upgraded by the current owner, and is well-presented throughout, with modern, first floor bathroom, and modern decor.  The property is an ideal purchase for first time buyers, or couples.  The property is located in the quiet village of Lowca, and is easily accessible to the neighbouring towns of Workington, and Whitehaven, both of which are just a few minutes' drive.  The property also offers easy access to the Lakes, Keswick and Cockermouth.  The accommodation briefly comprises hallway, spacious open-plan lounge/diner and kitchen.  To the first floor, are two well-presented, double bedrooms, and the stylish, modern bathroom.  Externally, there is a walled garden to the front, and well-maintained yard to the rear, with outbuildings.  There is also a separate garage to the rear of the property, with a garden area behind, which is fenced around.  Internal viewing is highly recommended, to appreciate the accommodation on offer.

## Property Photos

- ![Photo 4](/listings/photos/79323399/194300) - Photo 4
- ![Photo 5](/listings/photos/79323399/194302) - Photo 5
- ![Photo 6](/listings/photos/79323399/194303) - Photo 6
- ![Photo 7](/listings/photos/79323399/194304) - Photo 7
- ![Photo 8](/listings/photos/79323399/194305) - Photo 8
- ![Photo 9](/listings/photos/79323399/194306) - Photo 9
- ![Photo 1](/listings/photos/79323399/194308) - Photo 1
- ![Photo 2](/listings/photos/79323399/194309) - Photo 2
- ![Photo 3](/listings/photos/79323399/194310) - Photo 3
- ![Photo 10](/listings/photos/79323399/194311) - Photo 10
- ![Photo 11](/listings/photos/79323399/194313) - Photo 11
- ![Photo 12](/listings/photos/79323399/194315) - Photo 12

## EPC Graphs

- ![EPC GRAPH](/listings/photos/79323399/194317) - EPC GRAPH
- ![FULL EPC](/listings/photos/79323399/194320) - FULL EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
|  | £70,000 | 01/01/2021 | — |
|  | £41,000 | 01/01/2020 | — |

## 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 |
| [Same street] 8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £65,000 | 19/04/2024 | Terraced |
| [Same street] 10 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £2,500 | 11/10/2023 | Other |
| [Same street] 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 |
| [Same street] 22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £80,000 | 22/03/2022 | Terraced |
| [Same street] 9 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £53,600 | 02/02/2022 | Other |
| [Same street] 15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 01/10/2021 | Terraced |
| [Same street] 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £85,950 | 10/09/2021 | Terraced |
| [Same street] 17 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 06/08/2021 | Terraced |
| 23 SOLWAY ROAD, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QB | £73,500 | 11/06/2021 | Terraced |

**Street average:** £62,213 (8 sales)
**Area average:** £101,625 (4 sales)

## Price vs local average

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

- **Local average:** £130,507 (27 Terraced, CA28, 2024–2026)
- **Deviation:** -46.4%

## 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):** £474/mo

## 1% Rule

- **Rent ratio:** 1.36% (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.*

## Capital growth trend

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

- **5y growth:** 54.3%
- **10y growth:** 62.6%

## 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)

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Property details

Tenure

FREEHOLD

Last sold

£70,000

Local average

£130,507 (-46.4%)

Deprivation

Decile 3 (7,724 of 33,755)

Street crime

8 incidents within 1 mile (Apr 2026)

Key features

Well-presented, traditional, terrace property
Two double bedrooms
Stylish, modern, first floor bathroom
Spacious, open-plan lounge/diner
Quiet village location
Great transport links

Additional details

Parking: Yes
Garden: Yes

Description

West Croft Terrace is a spacious two-bed, traditional, mid-terraced property. The property has been upgraded by the current owner, and is well-presented throughout, with modern, first floor bathroom, and modern decor. The property is an ideal purchase for first time buyers, or couples. The property is located in the quiet village of Lowca, and is easily accessible to the neighbouring towns of Workington, and Whitehaven, both of which are just a few minutes' drive. The property also offers easy access to the Lakes, Keswick and Cockermouth. The accommodation briefly comprises hallway, spacious open-plan lounge/diner and kitchen. To the first floor, are two well-presented, double bedrooms, and the stylish, modern bathroom. Externally, there is a walled garden to the front, and well-maintained yard to the rear, with outbuildings. There is also a separate garage to the rear of the property, with a garden area behind, which is fenced around. Internal viewing is highly recommended, to appreciate the accommodation on offer.

Listed by

Lillyhall

First Choice Move

Reference: 79323399

EPC ratings on this postcode

We don't have a matched EPC for this property yet. Below are efficiency scores and details for other addresses on this postcode.

Address	Current	Potential	Floor area	Age band	Type
10 WEST CROFT TERRACE, LOWCA, WHITEHAVEN	61	79	88 m²	England and Wales: 1900-1929	Terraced
12, West Croft Terrace, Lowca, WHITEHAVEN	67	84	78 m²	England and Wales: 1930-1949	Terraced
13 West Croft Terrace, Lowca, WHITEHAVEN	12	71	82 m²	England and Wales: 1900-1929	Terraced
14, West Croft Terrace, Lowca, WHITEHAVEN	61	82	78 m²	England and Wales: 1950-1966	Terraced
15, West Croft Terrace, Lowca, WHITEHAVEN	63	86	79 m²	England and Wales: 1900-1929	Terraced
16 West Croft Terrace, LOWCA	66	86	80 m²	England and Wales: 1900-1929	Terraced
16, West Croft Terrace, Lowca, WHITEHAVEN	62	79	79 m²	England and Wales: 1900-1929	Terraced
17, West Croft Terrace, Lowca, WHITEHAVEN	65	88	82 m²	England and Wales: 1900-1929	Terraced
2, West Croft Terrace, Lowca, WHITEHAVEN	39	75	79 m²	England and Wales: 1900-1929	Terraced
20 West Croft Terrace, Lowca, WHITEHAVEN	76	86	80 m²	England and Wales: before 1900	Terraced
20 West Croft Terrace, Lowca, WHITEHAVEN	66	86	80 m²	England and Wales: 1900-1929	Terraced
21 WEST CROFT TERRACE, LOWCA, LOWCA	62	113	47 m²	England and Wales: 1900-1929	Terraced
22 West Croft Terrace, Lowca, WHITEHAVEN	67	87	78 m²	England and Wales: 1900-1929	Terraced
23 West Croft Terrace, Lowca, WHITEHAVEN	67	86	81 m²	England and Wales: before 1900	Terraced
24 West Croft Terrace, Lowca, WHITEHAVEN	69	107	78 m²	England and Wales: before 1900	Terraced

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC GRAPH

FULL EPC

Price history

71% since 2020

Event	Date	Price	% change
Sold	01/01/2021 (5 years ago)	£70,000	+70.7%
Sold	01/01/2020 (6 years ago)	£41,000	—

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
Same street 8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX	£65,000	19/04/2024	Terraced
Same street 10 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX	£2,500	11/10/2023	Other
Same street 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
Same street 22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£80,000	22/03/2022	Terraced
Same street 9 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£53,600	02/02/2022	Other
Same street 15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,000	01/10/2021	Terraced
Same street 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£85,950	10/09/2021	Terraced
Same street 17 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,000	06/08/2021	Terraced
23 SOLWAY ROAD, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6QB	£73,500	11/06/2021	Terraced

Street average: £62,213 (8 sales)

Area average: £101,625 (4 sales)

Capital growth trend

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

5y growth 54.3%

10y growth 62.6%

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: £474/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CA28 6PX

Address

Croft Terrace

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
Shop	Unknown	1.9 miles
Train station	Whitehaven	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 1.36%

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).

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