St. Marys Place, Kirkcudbright, DG6
Scotland
£145,000
Listed on 28/08/2026
Listed on 28/08/2026
The listing
Property details
Bedrooms
4Type
TerracedFeatures
- Garden
Description
This four-bedroom mid-terrace in Kirkcudbright offers extensive accommodation over several levels and requires modernisation and renovation. The ground floor includes three reception rooms, a kitchen, utility room and storage. Upstairs are four bedrooms, a bathroom and a separate WC, with further loft accommodation and an attic room above. Buyers should check the status and suitability of the upper-level spaces for their intended use.
There is outside space to the rear, which the listing describes as an opportunity for improvement and landscaping. The property is in Kirkcudbright, close to the town's shops, cafés, restaurants, schools, healthcare and leisure facilities, with access to the harbour, River Dee and surrounding countryside. Castle Douglas and Dumfries are also accessible. The listing states that a Home Report is available.
WHOTS analysis
Our WHOTS verdict
An internal assessment of the opportunity to acquire, improve and create value.
47out of 100
Grade ELow opportunity
Confidence: LOW
At £145,000, this four-bedroom Kirkcudbright terrace offers a substantial, flexible canvas: the listing describes three reception rooms, accommodation over multiple levels, and additional loft and attic space. The visible interiors are dated, with significant staining and damaged finishes in several rooms, while the kitchen, bathroom and rear courtyard also offer scope for improvement. That creates room to reshape and personalise a sizeable home, but the work is a substantial project rather than a cosmetic refresh.
The score is held back by the limited condition assessment and by missing floor-area data: without that, value against local £/sqf cannot yet be judged. The fundamentals score well, and the property's generous, adaptable layout is its clearest appeal; the staining and the scale of the interior programme need careful investigation and planning.
Key opportunities
- Use the three reception rooms and flexible multi-level layout to create distinct living, dining, work or hobby spaces suited to the next owner's needs.
- The additional loft accommodation and attic room add to the property's already generous space and offer scope to make the home work harder.
- Rework the dated kitchen and bathroom, refresh finishes across the photographed rooms, and improve the rear courtyard to give the house a more coherent, personalised feel.
Key risks
- Staining and damaged finishes are visible in several rooms, including extensive staining to the kitchen ceiling; establish the cause and extent before settling the scope.
- The substantial multi-level interior programme, alongside the weathered courtyard and ancillary structure, calls for careful budgeting and sequencing rather than a quick refresh.
Unlock the full analysis
Sign up to see the refurb profile, below-market value, yields, and local market trends for this and every other property that has them.
Sign up freeAlready have an account? Sign in
Interested in similar properties?
Create an alert and we'll notify you when similar renovation opportunities are listed.
Finance
Mortgage calculator
Illustrative repayments based on the asking price, not a mortgage offer.
£
£
£
%
%
years
Current average 2-year fixed rate is 4.45%
Current average variable rate is 6.60%
Monthly Repayments
£548
Based on a loan of £108,750 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.
Tax
Stamp duty calculator
Indicative tax based on the asking price and the options you select.
Services
Next steps
Explore services to help you with this property purchase.
Get help with this property
Financing, surveys and more – choose a service and we’ll connect you with our trusted partners.
Nearby
Similar properties
Other listings you may want to compare.
