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£595,000

1 Main Street, Cockermouth, Cumbria, CA13

Key Features

  • Outstanding commercial investment and residential development opportunity
  • Ground floor, upper floors and rear site of the former HSBC bank building
  • Prime location in Cockermouth town centre beside the river Cocker
  • Freehold with vacant possession
  • Planning consent approved for seven apartments three of which are new build
  • On-site parking spaces

Description

An outstanding freehold investment opportunity from the former HSBC bank building comprising an open plan ground floor providing approximately 1,615 square feet of accommodation with a commercial E use class suitable for a variety of purposes together with four residential apartments within the existing upper floors and three new build apartments within the rear site.

The building is situated in a prime location fronting Main Street and adjacent to the river Cocker within Cockermouth town centre.

Planning consent is approved under reference FUL/2019/0183 for three apartments within the upper floors of the main building and four new build apartments within in the rear site.

Existing Ground Floor Accommodation
Former open plan banking hall providing approximately 1,615 square feet of accommodation.

Addtional Proposed Accommodation

Conversion Of Main Building Upper Floors

Apartment 1

First floor
Approximately 87 square metres
2 bedrooms

Apartment 2 First floor
Approximately 79 square metres
2 bedrooms

Apartment 3
Second floor
Approximately 109 square metres
2 bedrooms

Apartment 4
Three floors
Approximately 81 square metres
1 bedroom

New Build On Adjoining Rear Site:

Apartment 5
Level 1 and 2
Approximately 105 square metres
3 bedrooms

Apartment 6
Level 1 and 2
Approximately 83 square metres
2 bedrooms

Apartment 7
Level 3
Approximately 79 square metres
2 bedrooms

Services
Mains water, electricity, gas and drainage.

Planning Consent
Planning consent for the residential development was approved on 18 May 2020 under application reference FUL/2019/0183. A lawful start to the development has been formalised.

Tenure
Freehold with vacant possession.

Current Rateable Value
Ground floor £18,500
Upper floors £4,500.

Currently no rates are payable.

Viewing
By appointment with Hackney and Leigh's Keswick office.

Directions
Entering into Cockermouth town centre from Crown Street proceed onto Main Street and the property is situated on the right beside the bridge over the river Cocker.

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Price
£595,000.

Anti-Money Laundering Regulations (AML)
Please note that when an offer is accepted on a property, we must follow government legislation and carry out identification checks on all buyers under the Anti-Money Laundering Regulations (AML). We use a specialist third-party company to carry out these checks at a charge of £60.00 (inc. VAT) per individual or £50.00 (incl. VAT) per individual, if more than one person is involved in the purchase (provided all individuals pay in one transaction). The charge is non-refundable, and you will be unable to proceed with the purchase of the property until these checks have been completed. In the event the property is being purchased in the name of a company, the charge will be £150 (incl. VAT).

Disclaimer
All permits to view and particulars are issued on the understanding that negotiations are conducted through the agency of Messrs. Hackney & Leigh Ltd. Properties for sale by private treaty are offered subject to contract. No responsibility can be accepted for any loss or expense incurred in viewing or in the event of a property being sold, let, or withdrawn. Please contact us to confirm availability prior to travel. These particulars have been prepared for the guidance of intending buyers. No guarantee of their accuracy is given, nor do they form part of a contract. *Broadband speeds estimated and checked by on 17/04/2025.

Map Location

Property details

Tenure
Leasehold
Council Tax Band
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Date Posted
2026-04-18

Utilities & Restrictions

Utilities

Electricity
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Water
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Heating
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Broadband
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Sewerage
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Rights & Restrictions

Public Rights of Way
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Private Rights of Way
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Listed Property
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Restrictions
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Listed status, conservation areas and planning constraints for this location are in the full report.

Property Features

Accessibility
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Parking
Parking Available
Garden
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Beyond the particulars: planning activity, flood history, heritage and ground risks, checked for this exact spot.

Connectivity

Broadband

Fastest speed available at this postcode

1.8 Gbps

Gigabit full fibre

Suitable for

  • 4K streaming on every screen
  • Full-time home working
  • Online gaming & big downloads

Mobile signal

CallsDataEE Good GoodO2 Good GoodThree Good GoodVodafone Good Good

Outdoor predictions; indoor signal depends on building materials.

Ofcom Connected Nations postcode-level predictions. Speeds and signal are modelled, not measured, and vary between addresses and providers.

Signal is the easy part. Planning activity, flood history and protected designations here are in the full report.

Nearest Schools

Primary

  • Fairfield Primary School376 metresNo Ofsted rating
    Ages
    3 to 11
    Pupils
    455
    Type
    Academy converter
  • All Saints' CofE School743 metresOfsted: Inadequate *
    Ages
    2 to 11
    Type
    Academy sponsor led
    Faith
    Church of England
  • Eaglesfield Paddle CofE Primary Academy1.9 milesOfsted: Good
    Ages
    0 to 11
    Pupils
    193
    Type
    Academy converter
    Faith
    Church of England
  • Bridekirk Dovenby CofE Primary School2 milesOfsted: Good *
    Ages
    4 to 11
    Pupils
    146
    Type
    Voluntary controlled school
    Faith
    Church of England
  • St Bridget's CofE School2.7 milesNo Ofsted rating
    Ages
    3 to 11
    Pupils
    82
    Type
    Voluntary controlled school
    Faith
    Church of England

Secondary

  • Cockermouth School819 metresNo Ofsted rating
    Ages
    11 to 18
    Pupils
    1,254
    Type
    Academy converter
  • Netherhall School6.2 milesOfsted: Requires improvement *
    Ages
    11 to 18
    Pupils
    894
    Type
    Community school
  • Workington Academy7 milesOfsted: Good
    Ages
    11 to 18
    Pupils
    1,234
    Type
    Academy sponsor led
  • Beacon Hill Community School7 milesOfsted: Requires improvement *
    Ages
    11 to 16
    Pupils
    135
    Type
    Community school
  • Energy Coast UTC7.2 milesOfsted: Good
    Ages
    14 to 19
    Pupils
    383
    Type
    University technical college

* Latest graded judgement covers quality of education only; no overall grade was issued under the 2024-25 inspection framework.

Distances are straight-line from the advertised location. Source: the national school registers (DfE, Welsh Government, Scottish Government) and Ofsted.

Schools are just the start: sold prices nearby, planning activity and any flood history are in the full report.

Amenities

Supermarket

Sainsburys Cockermouth, Cockermouth257 metres
Lidl Cockermouth, Cockermouth342 metres
Aldi Cockermouth, Cockermouth696 metres

GP surgery

Castlegate And Derwent Surgery453 metres

Pharmacy

J W W Allison & Sons Ltd81 metres

Hospital

Cockermouth Hospital453 metres

Green space

Public Park Or Garden184 metres

Straight-line distances from the advertised location. Sources: NHS records, Geolytix supermarket locations, OS Open Greenspace and the national trails registers.

The area stacks up? Now check the location itself: planning nearby, protected designations and past flooding.

Getting Around

Nearest station

Maryport Rail Station6.2 miles

Nearest bus stop

Main Street Monument211 metres

Typical drive times

Aspatria14 min · 8.8 miles
Maryport14 min · 7.3 miles
Workington13 min · 8.2 miles
Cockermouth1 min · 0.1 miles
Carlisle (city)39 min · 27 miles

Straight-line distances from the advertised location; drive times are typical free-flow times over OpenStreetMap road data, so allow more at peak. Public transport locations from DfT NaPTAN.

Easy to reach matters. So do planning activity, flood history and ground risks: all in the full report.

Flood Risk

From Environment Agency flood map open data, checked around the advertised map pin and allowing for the listed acreage where known. This summary comes from LandSale, the advertising platform, not from the listing agent, and is not part of the agent's particulars. Risk can vary across a single holding, so verify anything critical through your own searches before committing.

Rivers and the sea

Flood Zone 3Higher risk

Surface water

Outside the mapped risk bandsVery low risk

The detail behind these bandings

The full report pinpoints where this location sits on the flood maps, and runs the deeper checks that usually only surface after an offer.

  • Exact flood zones & annual chances (included in the full report)
  • Any recorded past flooding (included in the full report)
  • Planning activity nearby (included in the full report)
  • Heritage & conservation (included in the full report)
  • Protected nature designations (included in the full report)
  • Ground risks (included in the full report)
  • Sold prices nearby (included in the full report)

£14.99 · one-off purchase

By LandSale, the platform. Not provided by the listing agent. Ready in about a minute.

Important notice: Information, maps and tags on this page are drawn from the advertising agent's marketing materials or generated automatically. LandSale has not verified them. Relying on these details is at your own risk, always carry out independent checks before committing to a purchase.

Contact Hackney & Leigh, Keswick

11 Bank Street, Keswick, CA12 5JY

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