Calthwaite Hall Lodge, Calthwaite, Penrith, CA11 9QU

UPRN:10000116499Detached HouseBeds -Built before 1900

Tenure: -Council Tax: Band EEPC: F (25)

Data freshness:Planning· 4mo agoOwnership· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Calthwaite Hall Lodge, Calthwaite, Penrith, CA11 9QU

HP Score

/ 100

Mixed

Verdict

7 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

18 of 21 sources

Sale Estimate

£342,000

£274k - £410kLow

Estimate

£342k

Range

£274k – £410k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

6.96%

Verdict

Derived from HomePortfolio scores

Calthwaite Hall Lodge earns an INVESTIGATE rating with HP Score 61/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (6/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

6/ 100

Low

Transit & Bike

Transit 32Bike 3

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics13.4/40
gross yield 7.0%; range width penalty ×0.86; the estimate this rent rides on sits 27% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1450/mo (range 1300-1550)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -119/mo, -8% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Risk & liquidity9.3/15
302 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£250,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £160/mo
Cash on cash: 2.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.72 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsrent estimate 1450/mo (range 1300-1550)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_date

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1450/mo (range 1300-1550)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£342,000

Rent Estimate (pcm)£1,450

Gross Yield6.96%

1y Growth-

3y Growth-2.4%

5y Growth+1.6%

10y Growth+2.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA11 9QU

Approval Rate

-12mo

Development

low

2026/0683/LBC
Listed Building Consent for the replacement of the front elevation single glazed softwood sash windows with new double glazed hardwood timber windows and replacement of softwood external door and frame with a painted hardwood panelled door and hardwood frame.
Conditions
2025/2400/HOU
Proposed first floor side extension to provide bedroom.
Conditions
2025/2331/PAPP
Prior Notification under schedule 2, part 6, class A, for the concreting of existing hardcore yard areas.
Approved

View Planning Timeline

Ownership

Corporate Ownership73.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied74%

Age Distribution

0-15 16%16-64 62%65+ 22%

View Area Profile

Schools Nearby

Calthwaite CofE School
0.1 mi
-
High Hesket CofE School
2.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Plumpton School
2.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ivegill CofE School
3.5 mi
Good

3 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Dixon Court
-
£360k
-
5 Dixon Court
-
£275k
-
7 Bracken Court
-
£219k
-
7 Bracken Court
-
£147k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN