3 Gilgarran Farm Cottage, Gilgarran, Workington, CA14 4RF

UPRN:10000894833End Terrace House4 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: F (21)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

3 Gilgarran Farm Cottage, Gilgarran, Workington, CA14 4RF

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£137,000

£123k - £150kMedium

Estimate

£137k

Range

£123k – £150k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

8.50%

Verdict

Derived from HomePortfolio scores

3 Gilgarran Farm Cottage earns an INVESTIGATE rating with HP Score 57/100. Investment score 50/100 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 leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 25Bike 2

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£120,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £183/mo
Cash on cash: 5.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.10 - 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£137,000

Rent Estimate (pcm)£850

Gross Yield8.50%

1y Growth+73.8%

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price£80,000 (2025-02-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA14 4RF

Approval Rate

-12mo

Development

low

4/26/2151/0F1
PROPOSED TWO STOREY FRONT EXTENSION AND LOFT CONVERSION
Approved
4/24/2417/0E1
LAWFUL DEVELOPMENT CERTIFICATE TO CONFIRM THAT A MATERIAL COMMENCEMENT HAS BEEN MADE TO PLANNING PERMISSION 4/19/2125/0O1 - OUTLINE APPLICATION WITH ALL MATTERS RESERVED FOR A SINGLE DWELLING
Approved
4/24/2327/DOC
DISCHARGE OF CONDITION 4 OF PLANNING APPLICATION 4/22/2393/0R1
Approved

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-02-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density130 /km²

Owner Occupied84%

Age Distribution

0-15 13%16-64 60%65+ 27%

View Area Profile

Schools Nearby

Lakes College - West Cumbria
1.4 mi
-
West Cumbria Learning Centre
1.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Distington Community School
1.6 mi
Good
Energy Coast UTC
1.8 mi
Good

0 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Gilgarran Farm Cottages
-
£80k
-
Beech View
-
£315k
-
Orchard House
-
£360k
-
Stackwood
-
£414k
-

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