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2 bed flat for sale Octavia Street, Kirkcaldy, KY2

Offers Over

£97,950

Added on 08/10/2026

Type: Flat
Bedrooms: 2
Bathrooms: 1
Size: £153 per sq ft
Tenure: Ask agent

About this property

Delmor Kirkcaldy are delighted to bring to the market this beautifully presented two-bedroom home, ideally located close to Kirkcaldy town centre and its many amenities. Newly and tastefully decorated with new flooring throughout, the property is truly in move-in condition and would make an ideal first-time purchase, buy-to-let investment or downsizing opportunity.

Floorplan

Council tax

Ask agent

Per year

Band A

£1,049
Band B

£1,224
Band C

£1,399
Band D

£1,574
Band E

£2,068
Band F

£2,557
Band G

£3,082
Band H

£3,856

The agent hasn't said which band this home is in; you can look it up on the Scottish Assessors. In Fife, 2026/27 bills run from £1,049 a year in band A to £3,856 in band H.

Figures from the Scottish Government (Open Government Licence v3), before the water and sewerage charges billed with council tax. Discounts lower the bill, such as 25% off for an adult living alone.

Property timeline

Listed

October 2026 £97,950

2 beds · 1 bath · this listing

Location

Octavia Street, Kirkcaldy, KY2

Open map Street View

Mortgage and LBTT

Property price £97,950

£49k £147k

Deposit10% £10,000

£0 £98k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £87,950 mortgage. Most lenders would want a household income of about £20,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.