# 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

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.

## 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 May 2026.*

- **1y growth (index):** 6.7%
- **5y growth (index):** 29%
- **10y growth (index):** 64.8%

## 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)