17 Lamb Lea, Lazonby, Penrith, CA10 1BB

UPRN:10000124038Detached Bungalow2 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: D (63)

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

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£309,000

£248k - £371kLow

Estimate

£309k

Range

£248k – £371k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

3.26%

Verdict

Derived from HomePortfolio scores

17 Lamb Lea earns an INVESTIGATE rating with HP Score 69/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (33/100). 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

69/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

33/ 100

Mixed

Transit & Bike

Transit 3Bike 19

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 3.3%; range width penalty ×0.78
- valuation_snapshotsrent estimate 950/mo (range 850-1050)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -908/mo, -96% 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 & liquidity9.3/15
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£350,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£524/mo
Cash on cash: -5.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - 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 950/mo (range 850-1050)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
portal_listingsprice_changes + first_published_dateSeller motivation · 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 950/mo (range 850-1050)

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£309,000

Rent Estimate (pcm)£950

Gross Yield3.26%

1y Growth-

3y Growth-1.9%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price£195,000 (2013-03-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA10 1BB

Approval Rate

-12mo

Development

low

2026/1637/HOU
Raised decking area to rear of property with glass privacy screens.
Pending
2026/1515/HOU
Removal of existing conservatory and erection of extension.
Pending
2026/1425/TCA
S211 Notification; Conservation Area tree works: T1 - White Beam Tree- Fell.
Approved

View Planning Timeline

Ownership

Corporate Ownership87%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2013-03-01
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 Density-

Owner Occupied71%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

Lazonby C of E Primary School
0.3 mi
Good
Kirkoswald CofE School
1.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Plumpton School
3.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Langwathby CofE Primary School
3.7 mi
Good

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

View All Schools

Comparables

View All

5 Lamb Lea
-
£380k
-
3 Lamb Lea
-
£450k
-
20 Lamb Lea
-
£340k
-
15 Lamb Lea
-
£455k
-

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