The Oaks, Baggrow, Aspatria, Wigton, CA7 3QH

UPRN:10000889536Detached Bungalow2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band DEPC: E (44)

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

The Oaks, Baggrow, Aspatria, Wigton, CA7 3QH

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£253,000

£228k - £278kMedium

Estimate

£253k

Range

£228k – £278k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

2.95%

Verdict

Derived from HomePortfolio scores

The Oaks earns an INVESTIGATE rating with HP Score 61/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is 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 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

61/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

15/ 100

Moderate

Walkability

12/ 100

Low

Transit & Bike

Transit 34Bike 4

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -28.5% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10000889536· as of 12 Oct 2026
Rental economics0/40
gross yield 3.0%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 700-850)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -913/mo, -114% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 74 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 3 Nov 2026
Risk & liquidity12.9/15
231 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£244,000£374,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£325,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: -£543/mo
Cash on cash: -6.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.73 - 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_snapshotsestimate for 10000889536Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 700-850)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

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 700-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 74 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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£253,000

Rent Estimate (pcm)£800

Gross Yield2.95%

1y Growth-

3y Growth+1.6%

5y Growth+2.6%

10y Growth+4.8%

Last Sold Price£170,000 (2013-08-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA7 3QH

Approval Rate

-12mo

Development

low

CON/2026/0054
Compliance with Conditions 5 (materials), 6 (enclosure), 7 (surface water), 8, 9 and 10 (contamination) on application OUT/2022/0025
Pending
CON/2026/0047
Discharge of Condition 2 (construction method statement) on application RMA/2025/0003 for a single dwelling
Approved
FUL/2026/0051
Erection of agricultural shed (part retrospective)
Approved

View Planning Timeline

Ownership

Corporate Ownership85.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2013-08-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density124 /km²

Owner Occupied55%

Age Distribution

0-15 20%16-64 58%65+ 22%

View Area Profile

Schools Nearby

Blennerhasset School
0.2 mi
Good
St Michael's CofE Primary School
1.6 mi
Good
Richmond Hill School
1.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Beacon Hill Community School
2.1 mi
Area grades2025
Inspected after Ofsted withdrew the 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

Grey Goat Inn
-
£220k
-
Orchard Dene
-
£243k
-
The Old Co-Operative
-
£215k
-
Low Farm
-
£120k
-

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