Thwaite Howe, Thornthwaite, Keswick, CA12 5SA

UPRN:10000886341Detached HouseBeds -Built before 1900

FreeholdCouncil Tax: Band GEPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Thwaite Howe, Thornthwaite, Keswick, CA12 5SA

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£1,244,000

£995k - £1.49MLow

Estimate

£1.24M

Range

£995k – £1.49M

Rent Estimate (pcm)

£3,000

£3k - £4k

Monthly

£3,000

Yield

2.88%

Verdict

Derived from HomePortfolio scores

Thwaite Howe earns an INVESTIGATE rating with HP Score 57/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (1/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

1/ 100

Low

Transit & Bike

Transit 18Bike 13

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 2.9%; range width penalty ×0.53
- valuation_snapshotsrent estimate 3000/mo (range 2500-3500)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,198/mo, -107% 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 3 Nov 2026
Risk & liquidity9.2/15
99 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£1,250,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,500-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £445,050
Net cash flow: -£2,142/mo
Cash on cash: -5.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - 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 3000/mo (range 2500-3500)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 3000/mo (range 2500-3500)

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£1,244,000

Rent Estimate (pcm)£3,000

Gross Yield2.88%

1y Growth+76.9%

3y Growth-0.7%

5y Growth+1.3%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3CA12 5SA

Approval Rate

0%12mo

Development

low

7/2026/2144
Change of use of guesthouse to dwellinghouse occupied as an only or principle home
Pending
7/2026/2121
Extension to bungalow
Conditions
7/2026/2119
Change of use from agriculture to forestry. The erection of two buildings with the laying of a crushed rock path to support the woodland use of the site
Rejected

View Planning Timeline

Ownership

Corporate Ownership69.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density11 /km²

Owner Occupied77%

Age Distribution

0-15 9%16-64 60%65+ 31%

View Area Profile

Schools Nearby

Braithwaite CofE Primary School
1.3 mi
Good
Keswick School
2.5 mi
Outstanding
St Herbert's CofE (VA) Primary and Nursery School
3.5 mi
Good
Bassenthwaite Primary School
3.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

1 Seldom Seen Cottages
-
£500k
-
Thwaite Howe Cottages
-
£370k
-
Woodside
-
£405k
-
The Granary
-
£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