# 3 bedroom terraced house for sale (CA14 2NQ) ## Property Details | Key | Value | |-----|-------| | Address | 55 GRAY STREET, WORKINGTON, CUMBRIA CA14 2NQ | | Price | £133,500 | | Bedrooms | 3 | | Bathrooms | 1 | | Construction age | England and Wales: 1900-1929 | | Floor area | 117 m² | | Last sold | £131,000 Oct 2022 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** B - **Expiry date:** 21/06/2032 - **Current heating cost:** £935/year - **Est. upgrade cost to C:** £21,600 ### Recommendations - A3 (£1,500 - £2,700) - B (£500 - £1,500) - Q (£4,000 - £14,000) - 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/7700-4624-0422-4123-3623) ## Description ***View with our 3D tour*** This lovely home is located on the outskirts of Workington Town centre. A gentle stroll will put you in Vulcan park, which is fantastic for families with children or those who simply want to enjoy a pleasant walk. The town centre with its wide range of shops and amenities is only just a few minutes' walk away. The house offers plenty of space and also good value for money and will be suitable for a first-time buyer, couple or family. Within the property there is a vestibule and hallway that leads to a spacious, open plan, lounge and diner. Both rooms enjoy feature fireplaces and the lounge also boasts a large bay window creating an attractive feature. A door from the dining room takes you into the stylish and modern kitchen. The property has a rear yard, accessed from the kitchen, where you will find a useful brick-built outbuilding. This provides fantastic storage and will be suitable for bikes, prams or garden furniture. Leading up to the first floor you will find three, well presented, bedrooms including a substantial master bedroom and the bathroom is also conveniently located on the first floor. From the landing, paddle ladders take you up to a versatile loft room, which makes a great hobby room, home office or storeroom. To fully appreciate this lovely home and the convenience of its excellent location we highly recommend you arrange a viewing. ## Property Photos - ![Photo 6](/listings/photos/123897833/437041) - Photo 6 - ![Photo 1](/listings/photos/123897833/437043) - Photo 1 - ![Photo 17](/listings/photos/123897833/437051) - Photo 17 - ![Photo 3](/listings/photos/123897833/437054) - Photo 3 - ![Photo 4](/listings/photos/123897833/437057) - Photo 4 - ![Photo 7](/listings/photos/123897833/437060) - Photo 7 - ![Photo 8](/listings/photos/123897833/437061) - Photo 8 - ![Photo 9](/listings/photos/123897833/437064) - Photo 9 - ![Photo 16](/listings/photos/123897833/437067) - Photo 16 - ![Photo 14](/listings/photos/123897833/437070) - Photo 14 - ![Photo 13](/listings/photos/123897833/437073) - Photo 13 - ![Photo 12](/listings/photos/123897833/437074) - Photo 12 - ![Photo 11](/listings/photos/123897833/437077) - Photo 11 - ![Photo 15](/listings/photos/123897833/437079) - Photo 15 - ![Photo 10](/listings/photos/123897833/437082) - Photo 10 ## Floorplans - ![Floor plan](/listings/photos/123897833/437087) - Floor plan ## EPC Graphs - ![FULL EPC](/listings/photos/123897833/437092) - FULL EPC - ![EPC GRAPH](/listings/photos/123897833/437095) - EPC GRAPH ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 55 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £131,000 | 20/10/2022 | Terraced | | 55 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £28,500 | 20/04/2000 | 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] 61 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NQ | £125,000 | 16/01/2026 | Semi-detached | | 136 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £137,000 | 16/01/2026 | Terraced | | 35 BRAYTON STREET, WORKINGTON, CUMBERLAND, CA14 2NP | £105,000 | 17/12/2025 | Terraced | | 7 TARN STREET, WORKINGTON, CUMBERLAND, CA14 3DQ | £73,000 | 17/12/2025 | Terraced | | 35 PETER STREET, WORKINGTON, CUMBERLAND, CA14 3DW | £73,000 | 08/12/2025 | Terraced | | 12 GARFIELD STREET, WORKINGTON, CUMBERLAND, CA14 3DH | £57,000 | 18/11/2025 | Terraced | | 46 PETER STREET, WORKINGTON, CUMBERLAND, CA14 3DW | £195,000 | 18/09/2025 | Terraced | | 30 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2NN | £81,000 | 15/12/2023 | Terraced | | 27 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £100,000 | 13/12/2023 | Terraced | | 29 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £105,000 | 24/11/2023 | Terraced | | 171 JOHN STREET, WORKINGTON, CUMBERLAND, CA14 3DD | £80,000 | 16/10/2023 | Terraced | | 18 BROWN STREET, WORKINGTON, CUMBERLAND, CA14 2NL | £79,000 | 13/10/2023 | Terraced | | 165 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £129,250 | 12/10/2023 | Terraced | | 25 DARCY STREET, WORKINGTON, CUMBERLAND, CA14 2NS | £69,500 | 31/07/2023 | Terraced | | 132 VULCANS LANE, WORKINGTON, CUMBERLAND, CA14 2ND | £140,000 | 31/05/2023 | Terraced | | 16 TARN STREET, WORKINGTON, CUMBERLAND, CA14 3DQ | £57,000 | 16/05/2023 | Terraced | | 1 GARFIELD STREET, WORKINGTON, CUMBERLAND, CA14 3DH | £65,000 | 28/04/2023 | Terraced | | 8 ROPER STREET, WORKINGTON, CUMBERLAND, CA14 3BZ | £47,500 | 24/04/2023 | Terraced | | 17 BRAYTON STREET, WORKINGTON, CUMBERLAND, CA14 2NP | £100,000 | 28/03/2023 | Terraced | | 4 ROPER STREET, WORKINGTON, CUMBERLAND, CA14 3BZ | £45,000 | 22/12/2022 | Terraced | | 33 PETER STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 3DW | £128,000 | 19/12/2022 | Terraced | | [Same street] 59 GRAY STREET, WORKINGTON, CUMBERLAND, CA14 2NQ | £100,000 | 09/08/2022 | Semi-detached | | [Same street] 120 GRAY STREET, WORKINGTON, ALLERDALE, CUMBRIA, CA14 2NQ | £95,000 | 28/01/2022 | Terraced | **Street average:** £106,667 (3 sales) **Area average:** £93,313 (20 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £109,724 (54 Terraced, CA14, 2024–2026) - **Deviation:** +21.7% ## 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):** £549/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 Terraced House, Tarn Street, CA14 | £790/mo | 3 | 0.1 miles | OpenRent | | 3 Bed Terraced House, Warwick Place, CA14 | £750/mo | 3 | 0.17 miles | OpenRent | | 3 Bed Semi-Detached House, Trinity Drive, CA14 | £900/mo | 3 | 0.73 miles | OpenRent | **Average rent: £813/mo (3 listings)** ## 1% Rule - **Rent ratio:** 0.59% (weak for cashflow) - **Max investor price (0.8%):** £98,750 - **Target investor price (1%):** £79,000 *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 £790/mo).* - **Gross yield:** 7.1% - **Cost-to-rent:** 14.1× - **Monthly cashflow:** £160/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 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:** £1,141/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 7.7% - **10y growth:** 10.2% ## 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)