Craker, Culgaith, Penrith, CA10 1QF

UPRN:10000119506Detached Bungalow3 bedsBuilt -

FreeholdCouncil Tax: Band CEPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 5mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£405,000

£324k - £486kLow

Estimate

£405k

Range

£324k – £486k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

3.00%

Verdict

Derived from HomePortfolio scores

Craker earns an INVESTIGATE rating with HP Score 63/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 30Bike 4

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 economics0/40
gross yield 3.0%; range width penalty ×0.72
- valuation_snapshotsrent estimate 1250/mo (range 1100-1400)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,321/mo, -106% 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 4 Nov 2026
Risk & liquidity9.2/15
140 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£500,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,100-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£822/mo
Cash on cash: -5.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.74 - below 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 1250/mo (range 1100-1400)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1250/mo (range 1100-1400)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
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£405,000

Rent Estimate (pcm)£1,250

Gross Yield3.00%

1y Growth-

3y Growth-1.9%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2CA10 1QF

Approval Rate

-12mo

Development

low

2026/1433/FPA
Retrospective application for change of use of agricultural land to mixed agriculture/horsiculture use, and erection of agriculture/horsiculture building.
Pending
2026/0948/HOU
Dormers and roof extension to provide accommodation at first floor level, replacement of conservatory with two storey extension on west elevation and associated alterations.
Conditions
2026/0690/HOU
Installation of glass doors or glass window at first floor level.
Pending

View Planning Timeline

Ownership

Corporate Ownership87%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density13 /km²

Owner Occupied84%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

Culgaith CofE School
0.5 mi
GoodConcerns
Temple Sowerby CofE Primary School
1.4 mi
Good
Kirkby Thore School
2.6 mi
Inspected as Kirkby Thore School (URN 112181) on 8 Mar 2023
Milburn School
2.9 mi
-

0 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Hill Top
-
£440k
-
Station House
-
£360k
-
Brecken Ridge
-
£245k
-
Ravensknowle
-
£225k
-

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