Colby House Farm, Colby, Appleby-in-Westmorland, CA16 6BD

UPRN:10000120834Bungalow Property4 bedsBuilt before 1900

Tenure: -Council Tax: Band CEPC: E (51)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Colby House Farm, Colby, Appleby-in-Westmorland, CA16 6BD

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£464,000

£371k - £557kLow

Estimate

£464k

Range

£371k – £557k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

3.74%

Verdict

Derived from HomePortfolio scores

Colby House Farm earns an INVESTIGATE rating with HP Score 57/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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)HM Land Registry sales matched to addressDefra 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

57/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 21Bike 1

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 3.7%; range width penalty ×0.79
- valuation_snapshotsrent estimate 1450/mo (range 1300-1600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,026/mo, -71% 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 & liquidity9.2/15
85 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£465,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £154,050
Net cash flow: -£566/mo
Cash on cash: -4.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.92 - 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 1450/mo (range 1300-1600)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1450/mo (range 1300-1600)

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£464,000

Rent Estimate (pcm)£1,450

Gross Yield3.74%

1y Growth-

3y Growth+3.0%

5y Growth+0.9%

10y Growth+2.5%

Last Sold Price£365,000 (2022-08-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA16 6BD

Approval Rate

-12mo

Development

low

2024/2211/FPA
Addition of lean-to extension to existing agricultural/equine building for storage.
Conditions
2024/1408/PAPP
Prior Notification under schedule 2, part 6, class A, for the erection of a building over an existing livestock gathering area and muck midden.
Approved

View Planning Timeline

Ownership

Corporate Ownership73.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2022-08-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density10 /km²

Owner Occupied79%

Age Distribution

0-15 14%16-64 57%65+ 29%

View Area Profile

Schools Nearby

Appleby Grammar School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Appleby Primary School
1.4 mi
Good
Bolton Primary School
2.1 mi
GoodConcerns
Long Marton School
2.4 mi
Good

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

View All Schools

Comparables

View All

New House
-
£450k
-
Meadow View
-
£485k
-
Colby House
-
£515k
-
High Bank
-
£412k
-

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