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16 Church Street, Lossiemouth IV31 6EJ - Image 1
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16 Church Street, Lossiemouth IV31 6EJ

Scotland

£170,000
Listed on 21/01/2026

Property Details

Bedrooms
2
Type
Detached house
Area
818 sqft

Description

This quaint cottage nestled in the desirable area of Lossiemouth offers a great canvas for those looking to infuse their own style into a character-filled home. The property features two bedrooms, a bright lounge, and an additional sitting room, along with both a shower room and an en suite—providing functional living spaces that are currently in good condition but could benefit from modern touches. The kitchen is tidy and serviceable, allowing for immediate habitation while offering potential for updates to enhance its appeal. The standout feature of this property is undoubtedly the expansive garden, which is not only well maintained but also promises privacy—a perfect retreat for gardening enthusiasts or outdoor entertainers. Additionally, the generous plot size opens up exciting possibilities for extensions or alterations (subject to planning permission), making it an attractive option for those with renovation ambitions. Situated close to Lossiemouth’s beautiful beaches and local amenities, this cottage presents a unique opportunity whether you are seeking a cosy home base by the coast or a project that allows for future growth and customization. It stands as an excellent choice for first-time buyers, downsizers, or as a holiday retreat.

Investment Analysis

(IV31 area)

Above Market Value

This property is priced +11.5% above area average per sq ft

+11.5%
This Property
£208/sq ft
Area Average
£186/sq ft

Renovation Potential

Medium Refurb
Est. Renovation Cost
£20,000 - £40,000
Target Value
£167,723
10% above area average per sq ft
Potential ROI
-20.1%
After renovation
Note: Renovation cost estimates are AI-generated based on property location and general characteristics, and may not reflect actual costs.
Monthly Sales
8
Average per month
Market Turnover
77%
Properties sold annually

Local Market Trend (IV31)

Area prices are falling by +5.0% over the last 12 months
3 year growth: -1.1%
5 year growth: 14.2%
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

16 Church Street, Lossiemouth IV31 6EJ
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Mortgage Calculator

£
£
£
%
%
years

Current average 2-year fixed rate is 4.06%

Current average variable rate is 6.81%

Monthly Repayments
£613
Based on a loan of £127,500 over 30 years at 4.06% 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