Sold STC Terraced

2 WEST CROFT TERRACE

WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX

2 beds 1 baths 840 sq ft Listed 17 Mar 2021 (-1911d)

£84,950

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

## Property Details

| Key | Value |
|-----|-------|
| Address | 2 WEST CROFT TERRACE, WHITEHAVEN, LOWCA, CUMBRIA CA28 6PX |
| Price | £84,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 78 m² |
| Last sold | £85,950 Sep 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £577/year
- **Est. upgrade cost to C:** £20,675

### Recommendations
- A2 (£850 - £1,500)
- 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/6609-4028-9000-1850-0296)

## Description

West Croft Terrace is a spacious two-bed, traditional, mid-terraced property. The property has been beautifully refurbished by the current owner, and is immaculate throughout, with modern kitchen, bathroom and beautiful 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 modern kitchen. To the first floor are two beautifully presented double bedrooms and the stylish bathroom. Externally, there is a walled, gravelled garden to the front and well maintained yard to the rear with outbuildings. There is also a separate garden at the rear of the property which is mostly laid to lawn and fenced around Internal viewing is highly recommended.

## Property Photos

- ![Photo 10](/listings/photos/78882576/194276) - Photo 10
- ![Photo 7](/listings/photos/78882576/194277) - Photo 7
- ![Photo 9](/listings/photos/78882576/194278) - Photo 9
- ![Photo 8](/listings/photos/78882576/194279) - Photo 8
- ![Photo 4](/listings/photos/78882576/194280) - Photo 4
- ![Photo 3](/listings/photos/78882576/194281) - Photo 3
- ![Photo 1](/listings/photos/78882576/194282) - Photo 1
- ![Photo 2](/listings/photos/78882576/194283) - Photo 2
- ![Photo 5](/listings/photos/78882576/194284) - Photo 5
- ![Photo 6](/listings/photos/78882576/194285) - Photo 6

## EPC Graphs

- ![FULL EPC](/listings/photos/78882576/194286) - FULL EPC
- ![EPC GRAPH](/listings/photos/78882576/194288) - EPC GRAPH

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #14865986
- **Address:** 2 West Croft Terrace, Lowca, CA28 6PX
- **Certificate Issued:** 31/10/2021
- **Work Completed:** 12/10/2021
- **Items:** 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £85,950 | 10/09/2021 | Terraced |
| 2 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £41,000 | 24/04/2020 | 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 |
|---------|-------|------|------|
| 19 CROFT HEAD VIEW, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6QP | £144,000 | 28/11/2025 | Terraced |
| 8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX | £65,000 | 19/04/2024 | Terraced |
| 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 |
| 22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £80,000 | 22/03/2022 | Terraced |
| 15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX | £70,000 | 01/10/2021 | Terraced |
| 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 |

**Area average:** £84,683 (9 sales)

## Price vs local average

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

- **Local average:** £130,507 (27 Terraced, CA28, 2024–2026)
- **Deviation:** -34.9%

## 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:** 1.12% (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.*

## Price per Square Metre

- **£/m²:** £1,089/m²

## 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

LEASEHOLD

Floor area

78 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£85,950 Sep 2021

Price per m²

£1,089/m²

Local average

£130,507 (-34.9%)

Deprivation

Decile 3 (7,724 of 33,755)

Street crime

8 incidents within 1 mile (Apr 2026)

Key features

Immaculate traditional terrace property
Two double bedrooms
Recently refurbished
Modern kitchen and bathroom
Rear yard and separate garden
Popular village location

Additional details

Garden: Yes

Description

Listed by

Lillyhall

First Choice Move

Reference: 78882576

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 10/08/2021

Current heating cost: £577/year

Potential heating cost: £403/year

Est. upgrade cost to C: £20,675

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
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)

EPC Graphs

FULL EPC

EPC GRAPH

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #14865986 Recent

Property Details

Street: 2 West Croft Terrace

Town: Lowca

Postcode: CA28 6PX

Installation Details

Items: 2 doors

Certificate Issued: 31/10/2021

Work Completed: 12/10/2021

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

110% since 2020

Event	Date	Price	% change
Sold	10/09/2021 (4 years ago)	£85,950	+109.6%
Sold	24/04/2020 (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
8 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, CUMBERLAND, CA28 6PX	£65,000	19/04/2024	Terraced
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
22 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£80,000	22/03/2022	Terraced
15 WEST CROFT TERRACE, LOWCA, WHITEHAVEN, COPELAND, CUMBRIA, CA28 6PX	£70,000	01/10/2021	Terraced
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

Area average: £84,683 (9 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

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
Train station	Whitehaven	1.9 miles
Shop	Unknown	1.9 miles
Shop	Station Garage Services	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 1.12%

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).