Henrietta Street, Girvan, South Ayrshire KA26
Scotland
£74,000
Listed on 02/09/2026
Listed on 02/09/2026
The listing
Property details
Bedrooms
3Type
Semi DetachedArea
980 sqftFeatures
- Garden
- Parking
Description
Lime Green Estate Agents present a traditional three-bedroom stone cottage in Girvan, within walking distance of the harbour, seafront, beach and town centre. The accommodation includes an entrance hall, a front-facing lounge with a large picture window, a fitted kitchen, three bedrooms and a family bathroom. Double glazing is stated, and the property has an EPC rating of F.
The house is described as requiring modernisation throughout, with the existing kitchen layout offering a starting point for redesign. Outside, there are private garden grounds and parking for two vehicles. The location is close to local shops, cafés, schools, healthcare and leisure facilities, with Girvan railway station providing services to Ayr and Glasgow. The property offers scope for refurbishment, subject to inspection and verification of the work required.
WHOTS analysis
Our WHOTS verdict
An internal assessment of the opportunity to acquire, improve and create value.
71out of 100
Grade BGood opportunity
Confidence: MEDIUM
At £74,000, this three-bedroom stone cottage is priced at about £76/sq ft, well below the local average of £125/sq ft—an attractive entry point for a buyer looking to create value. The harbour, beach and seafront are close by, and the lounge, fitted kitchen and bathroom provide a starting point for a medium-scale refresh rather than a completely blank canvas.
There is plenty to improve: dated finishes and wall damage in places, alongside an overgrown garden and worn front hardstanding, offer clear scope to rework the interior and outdoor space. The visible stone exterior and pitched roof show no obvious major failure in the photos, though their condition cannot be confirmed from images alone. The £20,000–£35,000 renovation range indicates a meaningful project, with the location and low purchase price helping make it an appealing opportunity.
Key opportunities
- Acquire at £74,000, around 39% below the local average per square foot.
- Refresh the dated interior, repairing and redecorating areas with visible wall damage and replacing tired floor finishes.
- Clear and redesign the overgrown garden and improve the worn front hardstanding, making better use of the outdoor space and parking.
Key risks
- Wall damage, peeling wall covering and discolouration in places will need investigation and repair as part of the refurbishment.
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Finance
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Current average 2-year fixed rate is 4.45%
Current average variable rate is 6.60%
Monthly Repayments
£280
Based on a loan of £55,500 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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