Sold STC Terraced

415 MOSS BAY ROAD

WORKINGTON, CUMBERLAND CA14 5AB

2 beds 1 baths 61 m² Listed 5 Nov 2025 (-271d)

£50,000

Save

# 2 bedroom terraced house for sale (CA14 5AB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 415 MOSS BAY ROAD, WORKINGTON, CUMBERLAND CA14 5AB |
| Price | £50,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £48,750 Mar 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 14/04/2035
- **Current heating cost:** £557/year
- **Est. upgrade cost to C:** £19,500

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- 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/9153-3049-7204-6525-7204)

## Description

If you’ve been waiting for your moment to get on the ladder without blowing the budget, this could be it. Priced at just £50,000, it’s a proper first step onto the property ladder… with some unexpected views thrown in.

At the front, you’ve got a glimpse of the sea. And at the back? Asda. Close enough to carry your shopping home without breaking a sweat.

Inside, it needs a little love, but it’s a solid and surprisingly spacious starting point.

The living room’s a decent size for relaxing after a shift (or a decorating marathon), and the unusually large kitchen at the rear has loads of space for a table — or even the beginnings of that future open-plan layout you’ve been dreaming of.

Upstairs, there are two bedrooms: a good-sized double at the front with sea views, and a roomy single/cosy double at the back. Ideal for a spare room, office or dressing room. The bathroom’s upstairs too, right where it should be.

Outside, there’s a large yard with potential to extend or simply enjoy the extra space for barbecues, bikes or a bit of DIY.

There’s no forward chain. Parking is in the side street or back lane as there’s a bus stop right outside — but let’s be honest, you’ll probably be walking to the shops or hopping on the bus into town anyway.

If you’re after something affordable, full of potential and perfectly placed for the big shop, this could be your moment.

I’m expecting plenty of interest — get in touch to arrange a viewing.

## Property Photos

- ![Photo](/listings/photos/169035272/1366719)
- ![Photo](/listings/photos/169035272/1366720)
- ![Photo](/listings/photos/169035272/1366721)
- ![Photo](/listings/photos/169035272/1366722)
- ![Photo](/listings/photos/169035272/1366723)
- ![Photo](/listings/photos/169035272/1366724)
- ![Photo](/listings/photos/169035272/1366725)
- ![Photo](/listings/photos/169035272/1366726)

## Floorplans

- ![Floorplan 1](/listings/photos/169035272/1366727) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/169035272/1366728) - EPC 1
- ![EPC 2](/listings/photos/169035272/1366729) - EPC 2

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 415 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB | £48,750 | 03/03/2026 | 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 |
|---------|-------|------|------|
| 307 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ | £65,000 | 17/12/2025 | Terraced |
| 241 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG | £90,000 | 02/12/2025 | Terraced |
| 61 RAILBANK DRIVE, WORKINGTON, CUMBERLAND, CA14 5DD | £138,000 | 14/11/2025 | Terraced |
| [Same street] 357 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB | £35,000 | 18/09/2025 | Terraced |
| 315 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ | £69,000 | 04/12/2023 | Terraced |
| 248 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TL | £200,000 | 10/10/2023 | Terraced |
| 267 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG | £62,000 | 08/08/2023 | Terraced |
| 253 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG | £65,000 | 22/05/2023 | Terraced |
| 271 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG | £75,000 | 30/01/2023 | Terraced |
| 280 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH | £73,500 | 09/12/2022 | Terraced |
| 258 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TL | £83,000 | 09/12/2022 | Terraced |
| 41 CRANBOURNE STREET, WORKINGTON, CUMBERLAND, CA14 3TZ | £48,000 | 16/11/2022 | Terraced |
| 24 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £155,000 | 16/09/2022 | Terraced |
| 331 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £64,000 | 19/08/2022 | Terraced |
| 292 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH | £110,000 | 04/07/2022 | Terraced |
| 303 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £72,000 | 11/05/2022 | Terraced |
| 36 WEST VIEW WALK, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3RN | £90,000 | 21/04/2022 | Terraced |
| 313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £60,000 | 04/02/2022 | Terraced |
| 313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ | £60,000 | 04/02/2022 | Terraced |
| [Same street] 427 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5AB | £62,000 | 12/01/2022 | Terraced |
| 48 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £140,000 | 10/12/2021 | Terraced |
| 63 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD | £109,000 | 25/11/2021 | Terraced |

**Street average:** £48,500 (2 sales)
**Area average:** £91,425 (20 sales)

## Price vs local average

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

- **Local average:** £108,641 (59 Terraced, CA14, 2024–2026)
- **Deviation:** -54%

## Rental Range

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

- **Low:** £865/mo
- **Realistic:** £961/mo
- **Optimistic:** £1,057/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Cumbria (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £474/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, Mossbay Rd, CA14 | £800/mo | 2 | 0.14 miles | OpenRent |

**Average rent: £800/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 1.6% (strong)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*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 £800/mo).*

- **Gross yield:** 19.2%
- **Cost-to-rent:** 5.2×
- **Monthly cashflow:** £498/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 41.2%

*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:** £820/m²

## Capital growth trend

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

- **5y growth:** 0.5%
- **10y growth:** 26.7%

## House Price Index (HM Land Registry)

*Official index for North West; Terraced series; as of April 2026.*

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8

/ 8

Property details

Tenure

FREEHOLD

Floor area

61 m²

Council tax band

EPC rating

Last sold

£48,750 Mar 2026

Price per m²

£820/m²

Local average

£108,641 (-54%)

Deprivation

Decile 2 (4,715 of 33,755)

Street crime

115 incidents within 1 mile (Jun 2026)

Key features

Bargain first home with sea views at the front and Asda views at the back — £50k and chain free
Two-bed terrace - ideal for both first-time buyers and investors
Glimpse of the sea from the front bedroom and Asda just across the back lane
Large kitchen with space to dine or dream big with an open-plan layout later on
Decent-sized lounge ready for refurbishment
Upstairs family bathroom
Second bedroom works well as a spare, home office or walk-in wardrobe
Large back yard with room to extend or simply sit out with a brew or fire up the BBQ
No forward chain means less faff and a faster move if you’re ready to go
Handy bus stop right outside plus extra parking space around the back and side

Additional details

Accessibility: No wheelchair access
Parking: On street
Garden: Private garden
Listed property: No

Description

An Asda-Price First Home With Sea Views At The Front And Supermarket Views At The Back. You’ll need to roll back the years updating this chain-free, bargain 2-bed terrace — but what a find for a first-time buyer.
If you’ve been waiting for your moment to get on the ladder without blowing the budget, this could be it. Priced at just £50,000, it’s a proper first step onto the property ladder… with some unexpected views thrown in.
At the front, you’ve got a glimpse of the sea. And at the back? Asda. Close enough to carry your shopping home without breaking a sweat.
Inside, it needs a little love, but it’s a solid and surprisingly spacious starting point.
The living room’s a decent size for relaxing after a shift (or a decorating marathon), and the unusually large kitchen at the rear has loads of space for a table — or even the beginnings of that future open-plan layout you’ve been dreaming of.
Upstairs, there are two bedrooms: a good-sized double at the front with sea views, and a roomy single/cosy double at the back. Ideal for a spare room, office or dressing room. The bathroom’s upstairs too, right where it should be.
Outside, there’s a large yard with potential to extend or simply enjoy the extra space for barbecues, bikes or a bit of DIY.
There’s no forward chain. Parking is in the side street or back lane as there’s a bus stop right outside — but let’s be honest, you’ll probably be walking to the shops or hopping on the bus into town anyway.
If you’re after something affordable, full of potential and perfectly placed for the big shop, this could be your moment.
I’m expecting plenty of interest — get in touch to arrange a viewing.

Listed by

Workington

exp world uk limited

Reference: 169035272

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 15/04/2025

Expiry date: 14/04/2035

Current heating cost: £557/year

Potential heating cost: £435/year

Est. upgrade cost to C: £19,500

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
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 1

EPC Graphs

EPC 1

EPC 2

Price history

Event	Date	Price	% change
Sold	03/03/2026 (5 months ago)	£48,750	—

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
307 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ	£65,000	17/12/2025	Terraced
241 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG	£90,000	02/12/2025	Terraced
61 RAILBANK DRIVE, WORKINGTON, CUMBERLAND, CA14 5DD	£138,000	14/11/2025	Terraced
Same street 357 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 5AB	£35,000	18/09/2025	Terraced
315 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TQ	£69,000	04/12/2023	Terraced
248 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TL	£200,000	10/10/2023	Terraced
267 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG	£62,000	08/08/2023	Terraced
253 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG	£65,000	22/05/2023	Terraced
271 MOSS BAY ROAD, WORKINGTON, CUMBERLAND, CA14 3TG	£75,000	30/01/2023	Terraced
280 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH	£73,500	09/12/2022	Terraced
258 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TL	£83,000	09/12/2022	Terraced
41 CRANBOURNE STREET, WORKINGTON, CUMBERLAND, CA14 3TZ	£48,000	16/11/2022	Terraced
24 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD	£155,000	16/09/2022	Terraced
331 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ	£64,000	19/08/2022	Terraced
292 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TH	£110,000	04/07/2022	Terraced
303 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ	£72,000	11/05/2022	Terraced
36 WEST VIEW WALK, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3RN	£90,000	21/04/2022	Terraced
313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ	£60,000	04/02/2022	Terraced
313 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3TQ	£60,000	04/02/2022	Terraced
Same street 427 MOSS BAY ROAD, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5AB	£62,000	12/01/2022	Terraced
48 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD	£140,000	10/12/2021	Terraced
63 RAILBANK DRIVE, WORKINGTON, ALLERDALE, CUMBRIA, CA14 5DD	£109,000	25/11/2021	Terraced

Street average: £48,500 (2 sales)

Area average: £91,425 (20 sales)

Capital growth trend

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

5y growth 0.5%

10y growth 26.7%

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

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

Rental Range

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

Low £865/mo

Realistic £961/mo

Optimistic £1,057/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 CA14 5AB

Nearby

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

Type	Name	Distance
Bus stop	Mossbay Rd at Playing Fields	0.0 miles
Bus stop	Westfield Drive at Mossbay Road	0.1 miles
Shop	Firpress	0.6 miles
Shop	CEF	0.6 miles
Train station	Harrington	1.0 miles
Hospital	Workington Community Hospital	1.2 miles
Train station	Workington	1.2 miles
Hospital	West Cumberland Hospital	6.8 miles
University	UCLan Westlakes Campus	7.4 miles

Street-level crime

Category	Count
Violence and sexual offences	62
Shoplifting	16
Criminal damage and arson	12
Public order	11
Drugs	4
Other theft	4
Burglary	3
Anti-social behaviour	1
Other crime	1
Vehicle crime	1
Total incidents	115

Within 1 mile during Jun 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
Westfield Nursery and Primary School	Primary	0.4 miles	Good — 13 Feb 2023
St Mary's Catholic Primary School	Primary	0.6 miles	Good — 18 Dec 2022
St Gregory's Catholic Primary School, Workington	Primary	0.6 miles	Good — 17 Jun 2019
Victoria Infant and Nursery School	Primary	0.8 miles	Outstanding — 3 Feb 2015
Victoria Junior School	Primary	0.9 miles	Good — 16 Nov 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, Mossbay Rd, CA14	£800/mo	2	0.14 miles	OpenRent

Average rent: £800/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.6%

Max investor price (0.8%) £100,000

Target investor price (1%) £80,000

Gross yield 19.2%

Cost-to-rent ratio 5.2×

Monthly cashflow £498/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 41.2%

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).