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Oswald Road, Kircaldy, Fife

Scotland

£115,000
Listed on 13/01/2026

Property Details

Bedrooms
3
Type
Semi-detached house
Area
951 sqft

Description

This end-positioned property presents a unique opportunity for investors and renovators alike. Valued at £120,000 by a qualified RICS surveyor, the home boasts a spacious layout and a split-level rear garden, both of which are ripe for transformation. Located in a mature residential area with excellent access to local amenities, schools, and transport links, this property offers significant potential for those looking to customise their space to fit personal tastes and requirements. The ground floor features a welcoming lounge with an electric fireplace, suitable for day-to-day living and entertaining. The kitchen is functional yet offers plenty of scope for improvement or complete renovation. A practical shower room with WC completes the ground level, providing convenience for both residents and guests. Upstairs comprises three generously sized rooms alongside a wet room, allowing for versatile use as bedrooms, home offices, or study areas. These rooms serve as blank canvases ready to be tailored to individual needs. Externally, the front of the property is neatly paved for low maintenance, while the rear garden continues this theme with its split-level design that is ideal for outdoor activities such as dining and relaxation. Additional communal parking enhances practicality. With proximity to reputable schools like Fair Isle Primary and Viewforth High School and nearby green spaces such as Beveridge Park and Dunnikier Country Park, this home is perfectly positioned for family life or investment. With its sound structure and generous layout, it represents an excellent refurbishment project aimed at creating a personalised family space.

Investment Analysis

(KY1 area)

Below Market Value

This property is priced -19.3% below area average per sq ft

-19.3%
Potential saving
This Property
£121/sq ft
Area Average
£150/sq ft

Renovation Potential

Medium Refurb
Est. Renovation Cost
£20,000 - £35,000
Target Value
£156,758
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
53
Average per month
Market Turnover
94%
Properties sold annually

Local Market Trend (KY1)

Area prices are rising by +2.5% over the last 12 months
3 year growth: 8.3%
5 year growth: 26.7%
Investment Disclaimer: Analysis based on KY1 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

Oswald Road, Kircaldy, Fife
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Mortgage Calculator

£
£
£
%
%
years

Current average 2-year fixed rate is 4.19%

Current average variable rate is 6.78%

Monthly Repayments
£421
Based on a loan of £86,250 over 30 years at 4.19% 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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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE