3 Loy Street, Cookstown, Co Tyrone, BT80 8PZ

3 Loy Street, Cookstown is a two-storey terraced house built around 1850, now used as an accountant's office. It is a modest structure representative of early Victorian terrace housing in Cookstown, though it is a common type without particular architectural distinction.

The building is roughly rectangular in plan with a two-storey rough-cast rendered return to the rear. External walls are painted render to the front elevation and dry-dash render to the rear. The roof is covered with artificial slate and fitted with cast-iron rainwater goods. A brick chimney with profiled stepped capping rises to the north.

The front east elevation, facing Loy Street, features a carved recessed square-headed doorway positioned to the right of the ground floor, with a panelled timber door and overlight. To the left is a square-headed window with a 1/1 timber sash frame, set on painted cut-stone sills. The upper floor has windows of similar design. The rear west elevation is partially obscured by the two-storey gable-ended pitched return, which is fitted with replacement aluminium windows and dry-dash rendered walls with a rendered and brick chimney at the apex. The house is set back from Loy Street behind a low rendered boundary wall with a small front garden. Access to the rear yard is via an integral coach arch as part of the neighbouring building to the west.

The site appears on the Ordnance Survey map of 1833–34. According to the 1835 valuation book, the plot contained an old dwelling occupied by Thomas Black, measuring 52 feet by 20½ by 16½ feet, with outbuildings of varying sizes; two of these outbuildings were thatched. The property was valued at £8-7-5. By 1859, the property was in the hands of James Smith (leasing from the Gunning-Moore estate) and valued at £33-10-0, suggesting that the current structure was either built afresh between 1835 and 1859 or that the existing dwelling underwent comprehensive refurbishment during this period.

In 1875, a solicitor named J.B. Twigg became leaseholder and added a shed to the property, raising the valuation to £34-10-0. In 1882, Margaret and Charlotte Smith acquired the lease and subdivided the property into separate dwellings, occupying the smaller house themselves. The lease subsequently passed through a series of occupants including Edward Liddle and Alexander Williamson (1897), Henry A. Mann (1899), Hugh Donnelly (1912), David Montgomery (1915), Thomas McGarvey (1924), W.H. Taylor (1943), William J. Eastwood (1947), and Reverend J. McGurk (1953), who remained until at least 1972.

Although the front façade retains much of its original character, the building has been substantially altered internally and to the rear, reducing its architectural and historic value.