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12 St Gerardines Road, Lossiemouth, IV31 6JY

Scotland

£175,000
Listed on 13/04/2026

Property Details

Bedrooms
4
Type
Semi Detached
Area
1119 sqft

Description

Nestled in the desirable coastal town of Lossiemouth, this semi-detached house presents a versatile opportunity for those looking to invest in a property with significant renovation potential. With 3 to 4 bedrooms, this home serves as a blank canvas that invites creativity and personal expression. Ideal for families, first-time buyers, or investors, it combines spacious living areas with adaptable room configurations. The expansive lounge offers ample natural light, making it perfect for both relaxation and social gatherings. The kitchen has direct access to the garden, enhancing the indoor-outdoor flow. A secondary reception room can double as a fourth bedroom, adding to the home's functional layout. Additional conveniences include a cloakroom and downstairs WC. On the upper level, three bedrooms await; one features stunning views of the sea—a remarkable highlight for any homeowner—complemented by a family bathroom. Outdoors, the property boasts a private enclosed garden—great for outdoor enjoyment—and secure gated off-street parking adds an extra layer of convenience. This semi-detached residence is uniquely positioned to be transformed into your dream home or an attractive investment opportunity in Lossiemouth's flourishing market.

Investment Analysis

(IV31 area)

Below Market Value

This property is priced -16.3% below area average per sq ft

-16.3%
Potential saving
This Property
£156/sq ft
Area Average
£187/sq ft

Renovation Potential

Medium Refurb
Est. Renovation Cost
£25,000 - £45,000
Target Value
£229,994
10% above area average per sq ft
Potential ROI
+4.5%
After renovation
Note: Renovation cost estimates are AI-generated based on property location and general characteristics, and may not reflect actual costs.
Monthly Sales
10
Average per month
Market Turnover
36%
Properties sold annually

Local Market Trend (IV31)

Area prices are rising by +4.2% over the last 12 months
3 year growth: -0.9%
5 year growth: +18.1%
Investment Disclaimer: Analysis based on IV31 area averages and may not reflect property-specific factors like condition, exact location, or unique features. Any renovation cost estimates provided are AI-generated and should be considered indicative only. Renovation costs vary significantly based on property condition and scope of work. Always conduct professional surveys and get multiple quotes before making investment decisions.

Location

12 St Gerardines Road, Lossiemouth, IV31 6JY
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Mortgage Calculator

£
£
£
%
%
years

Current average 2-year fixed rate is 3.91%

Current average variable rate is 6.62%

Monthly Repayments
£620
Based on a loan of £131,250 over 30 years at 3.91% 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.

Stamp Duty Calculator

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