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16 Finkle Street, St. Bees, Cumbria CA27 0BN
Marketed by:
Auction House Cumbria
Warwick Rd, Carlisle CA1 1EE, UK
01228 510 552
Three-Bed End-Terrace House in St Bees
16 Finkle Street, St. Bees, Cumbria CA27 0BN
Sold
£125,000+
• 3 Bedrooms
• End of Terrace House
• See Legal Pack
• Current Rating G
Description
An end of terrace house in this sought after coastal village some 4 miles south of Whitehaven on the fringe of the Lake District National Park. The village is the start of Wainwrights famous coast to coast walk. In need of modernisation but offering huge potential.
Accommodation
Three reception rooms, kitchen, bathroom and three bedrooms. Ground Floor: Hall; Living Room 12'3max x 12'; Dining Room 12' x 8'; Sitting Room 12'3 x 8'; Kitchen 12' x 8'3. First Floor: Bedroom 12' x 11'6; Bedroom 13' x 12'; Bedroom 12'3 x 8'; Bathroom 12'3 x 8'3. Outside: Rear yard with Store.
Location
Situated in the coastal village of St. Bees, approximately 4 miles south of Whitehaven, on the fringe of the Lake District National Park. The village is the start of Wainwrights famous coast to coast walk.
Tenure / Property Information
Tenure |
See Legal Pack |
EPC |
Current Rating G |
Services |
Interested parties are invited to make their own enquiries to the relevant authorities as to the availability of the services. |
Investment Analysis
Same-street terraced comparables range from £100,000 to £207,500. The £190,000 sale at 7 Finkle Street in July 2025 is the most relevant recent indicator, but differences in condition, size and tenure are not evidenced. Base GDV is therefore estimated at £190,000 with a broad evidence-based range.
Investment Snapshot
Guide Price |
£125,000 (plus fees) |
HB Estimated GDV |
£190,000 |
Strategy Recommendation
Proceed only conditionally after reviewing the legal pack and obtaining a refurbishment assessment. Do not bid on guide price alone; BTL is unverified.
Works Required
Modernisation as described by the auctioneer. The scope, specification and cost of works require inspection and the legal pack.
Rental & Market Context
|
No sufficiently specific external rental comparable identified. |
|
Sold Comparables
The following completed sales were identified within approximately 5 miles:
|
Mayfield, Finkle Street, St Bees, Cumberland, Ca27 0bn |
£207,500 |
|
7, Finkle Street, St Bees, Cumberland, Ca27 0bn |
£190,000 |
|
20, Finkle Street, St Bees, Cumberland, Ca27 0bn |
£100,000 |
|
Mayfield, Finkle Street, St Bees, Cumberland, Ca27 0bn |
£175,000 |
|
7, Finkle Street, St Bees, Copeland, Ca27 0bn |
£110,000 |
Potential BRRR Position
Base GDV |
£190,000 |
75% Refinance |
£142,500 |
A 75% refinance of the £190,000 base GDV indicates £142,500 gross refinance proceeds. Total project cost and equity position cannot be calculated without refurbishment costs, legal-pack costs and other purchase costs.
Buy-to-Let Analysis
BTL appraisal cannot be established because no sufficiently specific rental evidence or auctioneer rent estimate is supplied. EPC G and modernisation requirements may also affect letting viability.
Flip Analysis
A flip may have potential against the £190,000 base GDV, but profitability cannot be calculated because refurbishment costs, selling costs and full acquisition costs are unsupported. Comparable values vary materially.
Investor Risks & Due Diligence
• Current EPC rating G.
• Property is stated to need modernisation, with no quantified works budget.
• No sufficiently specific rental evidence is available.
• Tenure is stated to be subject to the legal pack.
• Additional disbursements may be payable under the legal pack.
• Sold comparable prices vary from £100,000 to £207,500.
Recommendation
Proceed only conditionally after reviewing the legal pack and obtaining a refurbishment assessment. Do not bid on guide price alone; BTL is unverified.
Strategy Rating
HB Rating |
★★☆☆☆ |
Analysis Confidence
Confidence |
Low-Medium |
Several same-street sold comparables are supplied, but condition, tenure, refurbishment cost, rent, full fees and legal-pack details are unavailable.
Auction Details :
Auction House Cumbria
Auction Date :
22/10/26
Lot Number :
Property Location:
16 Finkle Street, St. Bees, Cumbria CA27 0BN
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