# 3 bedroom semi-detached house for sale (CA7 9SS)

## Property Details

| Key | Value |
|-----|-------|
| Address | 15 CHIMES BANK, WIGTON, CUMBERLAND CA7 9SS |
| Price | £156,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | B |
| Floor area | 71 m² |
| Last sold | £156,000 Oct 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Expiry date:** 10/06/2034
- **Current heating cost:** £312/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/3434-3936-6000-0659-7292)

## Description

Chime Bank is a new development of houses built by Gleeson Homes, and located less than mile outside of Wigton town centre. This property was built in June 2024 and the new owner will have the  benefit of the 9 remaining years of the New Build Guarantee. The property is full of upgrades from the basic Gleeson offering including fitted wardrobes in all bedrooms, 'like new' floor coverings all the way through and a wonderful, low maintenance landscaped garden to the rear.  

The accommodation comprises of an entrance hall, well equipped kitchen, a dining area, living room overlooking the garden, cloakroom, three bedrooms and a bathroom. Suitable for first-time buyers looking to get onto the property ladder, for younger families, and downsizers. 

The property is being offered at a discounted price in accordance with the Cumberland Council's Discounted Sale Housing Scheme, and the guide price represents 80% of the full open market value. To qualify for a discounted sale property, buyers must be connected with the local parish and meet a set criteria. Potential buyers must apply to Cumberland Council to confirm their eligibility before an offer can be accepted. Ask us for more information.

Nestled on the edge of the Lake District National Park, Wigton is a thriving market town offering a blend of rural charm and modern convenience. Local amenities include supermarkets, independent shops, cafes, pubs, and a weekly market catering for everyday needs.

Local schools include the well-regarded Nelson Thomlinson School, a secondary school with a strong reputation for academic achievement.

There are excellent transport links, with a railway station providing regular services to Carlisle and West Cumbria, while the nearby A596 and A595 roads offer easy access to Carlisle, Cockermouth & the wider region.

Ideal for families, commuters, and retirees alike, Wigton combines community spirit with superb countryside access – a truly desirable place to call home.

**Entrance Hall** - Coming through the front door you step into a welcoming hallway that provides access to the kitchen and the stairs rising to to the first floor.

**Kitchen/Diner** - Natural light shines in from windows front and side, illuminating this lovely space at the heat of the home, fitted with deep blue kitchen cabinets and with a stylish white work surface over. The kitchen is comprehensively fitted out with integral appliances including a gas hob with overhead extractor, and electric oven, integrated tall fridge freezer, dishwasher and stainless steel sink and drainer. The dining space is separated from the kitchen by a peninsular unit creating a social dining area for entertaining and eating with the family. Big enough for a family dining table and chairs.

**Living Room** - The lounge faces the landscaped rear garden with a picture window and French doors leading out to the patio. With plenty of space for a sofa and chairs, television table and other lounge furniture.

**Cloakroom** - A useful downstairs WC, accessed from the dining area and with a low level WC and pedestal wash-hand basin.

**First Floor Landing** - Accessed from the stairs rising from the entrance hall and providing access to all the first floor accommodation.

**Bedroom One** - Located to the front of the house and with views over towards the prominent Highmoor Tower. The room has a range of fitted wardrobes providing plenty of hanging space and shelving. With two windows to the front elevation, it is full of natural light.

**Bedroom Two** - With a fitted wardrobe and window to the rear elevation.

**Bedroom Three** - The third room also benefits from a fitted wardrobe and has a window to the rear elevation.

**Bathroom** - A modern bathroom with a large walk in shower cubicle, a pedestal wash- hand basin and a low level WC.  Tiled to the half elevations and with a chrome towel rail.

**Landscaped Garden** - The landscaping has only just been completed, and the new owner will be able to enjoy a low maintenance space with quality patio and paving, raised, brick built flower beds stocked with specimen plants and shrubs, and trees that will grow and mature creating shaded areas in this lovely garden. the boundaries are all secure, and with the French door open to the living room, this will be a fabulous and safe space for families with young children. 

To the front of the house there is a small lawn planted to the border with shrubs.

**Driveway** - A long private driveway runs the length of the side of the house creating space for two vehicles.

**Affordable Housing Sale Criteria** - The property is being offered at a discounted price in accordance with the Cumberland Council's Discounted Sale Housing Scheme, and the guide price represents 80% of the full open market value. To qualify for a discounted sale property, buyers must be connected with the local parish and meet a set criteria. Potential buyers must apply to Cumberland Council to confirm their eligibility before and offer can be accepted. Ask us for more information.

**Aml Disclosure** - Agents are required by law to conduct Anti-Money Laundering checks on all those buying a property. Hunters charge £24 (including VAT) for an AML check per buyer. This is a non-refundable fee. The charges cover the cost of obtaining relevant data, any manual checks that are required, and ongoing monitoring. This fee is payable in advance prior to the issuing of a memorandum of sale on the property you are seeking to buy.

**Probate Procedure** - Please note the property is subject to completion of a probate procedure which could affect the timing of completion for a would be purchaser. Ask us for clarification before making an offer.

## Property Photos

- ![1c2b3c26-CAM04559G0-PR0188-STILL029.jpg](/listings/photos/164099441/566107) - 1c2b3c26-CAM04559G0-PR0188-STILL029.jpg
- ![Dining Kitchen](/listings/photos/164099441/566109) - Dining Kitchen
- ![Dining Kitchen](/listings/photos/164099441/566110) - Dining Kitchen
- ![Dining Kitchen](/listings/photos/164099441/566113) - Dining Kitchen
- ![Living Room](/listings/photos/164099441/566114) - Living Room
- ![Living Room](/listings/photos/164099441/566117) - Living Room
- ![Living Room](/listings/photos/164099441/566120) - Living Room
- ![Cloakroom](/listings/photos/164099441/566121) - Cloakroom
- ![Cloakroom](/listings/photos/164099441/566124) - Cloakroom
- ![Entrance Hall](/listings/photos/164099441/566125) - Entrance Hall
- ![First Floor Landing](/listings/photos/164099441/566131) - First Floor Landing
- ![Bedroom One](/listings/photos/164099441/566135) - Bedroom One
- ![Bedroom One](/listings/photos/164099441/566140) - Bedroom One
- ![Bedroom One](/listings/photos/164099441/566144) - Bedroom One
- ![Bedroom Two](/listings/photos/164099441/566148) - Bedroom Two
- ![Bedroom Two](/listings/photos/164099441/566150) - Bedroom Two
- ![Bedroom Three](/listings/photos/164099441/566154) - Bedroom Three
- ![Bathroom](/listings/photos/164099441/566158) - Bathroom
- ![CAM04559G0-PR0188-STILL022.jpg](/listings/photos/164099441/566160) - CAM04559G0-PR0188-STILL022.jpg
- ![Landscaped Garden](/listings/photos/164099441/566168) - Landscaped Garden
- ![Landscaped Garden](/listings/photos/164099441/566171) - Landscaped Garden
- ![Landscaped Garden](/listings/photos/164099441/566175) - Landscaped Garden
- ![Landscaped Garden](/listings/photos/164099441/566180) - Landscaped Garden

## Floorplans

- ![CAM04559G0-PR0188-BUILD01.jpg](/listings/photos/164099441/566184) - CAM04559G0-PR0188-BUILD01.jpg
- ![CAM04559G0-PR0188-BUILD01-FLOOR00.jpg](/listings/photos/164099441/566185) - CAM04559G0-PR0188-BUILD01-FLOOR00.jpg
- ![CAM04559G0-PR0188-BUILD01-FLOOR01.jpg](/listings/photos/164099441/566188) - CAM04559G0-PR0188-BUILD01-FLOOR01.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/164099441/566191) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 15 CHIMES BANK, WIGTON, CUMBERLAND, CA7 9SS | £156,000 | 24/10/2025 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 5 HIGHMOOR, WIGTON, CUMBERLAND, CA7 9LQ | £115,000 | 04/07/2025 | Semi-detached |
| 6 WEST AVENUE, WIGTON, CUMBERLAND, CA7 9LG | £203,300 | 28/03/2025 | Semi-detached |
| 13 HIGHMOOR PARK, WIGTON, CUMBERLAND, CA7 9LZ | £180,000 | 13/11/2023 | Semi-detached |
| 3 THE CRESCENT, WIGTON, CUMBERLAND, CA7 9LP | £100,000 | 20/10/2023 | Semi-detached |
| 124 SCHOLARS GREEN, WIGTON, CUMBERLAND, CA7 9BT | £149,000 | 15/09/2023 | Semi-detached |
| 11 HIGHMOOR, WIGTON, CUMBERLAND, CA7 9LQ | £140,000 | 14/04/2023 | Semi-detached |
| 5 LOWMOOR ROAD, WIGTON, CUMBERLAND, CA7 9QR | £155,000 | 12/10/2022 | Semi-detached |
| 19 HIGHMOOR BUNGALOWS, WIGTON, ALLERDALE, CUMBRIA, CA7 9LW | £151,000 | 15/09/2022 | Semi-detached |
| 13 HIGHMOOR, WIGTON, ALLERDALE, CUMBRIA, CA7 9LQ | £137,000 | 11/05/2022 | Semi-detached |
| 24 HIGHMOOR BUNGALOWS, WIGTON, CUMBERLAND, CA7 9LW | £116,000 | 31/03/2022 | Semi-detached |
| 19 HIGHMOOR PARK, WIGTON, ALLERDALE, CUMBRIA, CA7 9LZ | £190,000 | 01/11/2021 | Semi-detached |
| 27 HIGHMOOR BUNGALOWS, WIGTON, ALLERDALE, CUMBRIA, CA7 9LW | £92,500 | 22/10/2021 | Semi-detached |

**Area average:** £144,067 (12 sales)

## Price vs local average

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

- **Local average:** £223,878 (18 Semi-detached, CA7, 2024–2026)
- **Deviation:** -30.3%

## 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 North Cumbria (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £588/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 Semi-Detached House, Scholars Green, CA7 | £775/mo | 3 | 0.17 miles | OpenRent |

**Average rent: £775/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £96,875
- **Target investor price (1%):** £77,500

*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 £775/mo).*

- **Gross yield:** 6%
- **Cost-to-rent:** 16.8×
- **Monthly cashflow:** £58/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.5%

*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:** £2,197/m²

## Capital growth trend

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

- **5y growth:** 34.8%
- **10y growth:** 62.8%

## House Price Index (HM Land Registry)

*Official index for North West; Semi-detached series; as of March 2026.*

- **1y growth (index):** 0.7%
- **5y growth (index):** 24.5%
- **10y growth (index):** 66.9%

## 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)