Newsham Cottage, Hutton Roof, Penrith, CA11 0XX

UPRN:10000121180Detached HouseBeds -Built before 1900

FreeholdCouncil Tax: Band DEPC: F (27)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

Newsham Cottage, Hutton Roof, Penrith, CA11 0XX

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£442,000

£354k - £531kLow

Estimate

£442k

Range

£354k – £531k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

21.88%

Verdict

Derived from HomePortfolio scores

Newsham Cottage earns an INVESTIGATE rating with HP Score 53/100. Investment score 54/100 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. Tenure is freehold. 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

53/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 32Bike 2

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

estimate implies a 81% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£84,995

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £26,799
Net cash flow: £786/mo
Cash on cash: 35.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 5.40 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£442,000

Rent Estimate (pcm)£1,550

Gross Yield21.88%

1y Growth-

3y Growth-2.4%

5y Growth+1.6%

10y Growth+2.5%

Last Sold Price£310,000 (2019-06-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA11 0XX

Approval Rate

-12mo

Development

low

2025/2356/DISC
Application for the approval of details reserved by conditions 4 (biodiversity gain plan) and 5 (production of a 30 year Habitat Management and Monitoring Plan (HMMP)), attached to approval 2024/2297/FPA.
Conditions
2025/1572/DISC
Application for the approval of details reserved by conditions 3 (water main), 5 (Biodiversity gain plan) and 6 (Habitat Management and Monitoring Plan (the HMMP)), attached to approval 2024/2298/FPA.
Pending
2025/0690/HOU
Proposed home office/garage building.
Conditions

View Planning Timeline

Ownership

Corporate Ownership73.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-06-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density12 /km²

Owner Occupied75%

Age Distribution

0-15 12%16-64 55%65+ 33%

View Area Profile

Schools Nearby

Skelton School
2.7 mi
Good
Greystoke Primary School
4.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Penruddock Primary School
5.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Fellview Primary School
5.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Newsham Cottage
-
£310k
-
Ned'S House
-
£165k
-

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