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The Steppes, 31 Main Street, Kirkcowan

Scotland

£185,000

Listed on 21/10/2026

The listing

Property details

Bedrooms
3
Type
Semi Detached House
Area
1194 sqft

Features

  • Garden
  • Parking

Description

This traditional Galloway cottage is set in the centre of Kirkcowan, within walking distance of village amenities. The accommodation includes two reception rooms, a kitchen, a ground-floor bathroom and two double bedrooms upstairs, with a further reception room that could also serve as a bedroom. The listing describes the property as having off-street parking and a large enclosed rear garden. The sitting and dining room runs through the house and includes a wood-burning stove. The kitchen has fitted units and space for freestanding appliances, while a separate upstairs WC serves the two bedrooms. Outside, a paved courtyard connects with the garden, which includes a polytunnel and sheds. A derelict stone building beside the kitchen and courtyard may offer scope for conversion or integration with the house, subject to planning consent and feasibility. Kirkcowan is around seven miles west of Newton Stewart, with the A75 nearby and bus links towards Stranraer and Dumfries. The village has a shop, post office, garage, hotel, doctor's surgery and primary school. Newton Stewart provides a wider range of shops and services.

WHOTS analysis

Our WHOTS verdict

An internal assessment of the opportunity to acquire, improve and create value.

43out of 100
Grade ELow opportunity

Confidence: MEDIUM

This traditional Galloway cottage has a usable, well-proportioned interior and a clear light-touch project: refresh the dated finishes, tidy the enclosed garden and make the most of features such as the wood-burning stove and sash windows. The roof and frontage look sound in the available views, and the roofless stone building beside the courtyard is an unusual feature with possible future potential, subject to checks on its condition, ownership and planning.

The price is the main constraint: at £155 per sq ft, the £185,000 asking price is above the local £138 average. With the £6,000–£14,000 refurb range added, the resulting cost is stretched against the local benchmark for a home of this floor area; that comparison is with current local average value, not a forecast of post-works value. So while there is a manageable canvas to improve, the numbers make this a low-opportunity buy at the current asking price.

Key opportunities

  • Refresh the dated decorative finishes while retaining character features such as the sash windows and wood-burning stove.
  • Clear and reshape the enclosed garden, making practical use of its established planting, sheds and polytunnel.
  • Explore the adjacent stone building's potential only after checking its condition, ownership and planning position.

Key risks

  • At the £185,000 asking price, adding the £6,000–£14,000 refurb range leaves the cost of this floor area stretched against the local benchmark.

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Map

Location

The Steppes, 31 Main Street, Kirkcowan
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Finance

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Illustrative repayments based on the asking price, not a mortgage offer.

£
£
£
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years

Current average 2-year fixed rate is 4.45%

Current average variable rate is 6.60%

Monthly Repayments
£699
Based on a loan of £138,750 over 30 years at 4.45% interest

These results are estimates and are only intended as a guide. Make sure you obtain accurate figures from your lender before committing to any mortgage. Your home may be repossessed if you do not keep up repayments on a mortgage.

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