Stainton House, 27A Common Side, Distington, Workington, CA14 4PU

UPRN:10000903140-Beds -Built -

Tenure: -Council Tax: Band EEPC: -

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

Stainton House, 27A Common Side, Distington, Workington, CA14 4PU

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£497,000

£472k - £522kHigh

Estimate

£497k

Range

£472k – £522k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

3.73%

Verdict

Derived from HomePortfolio scores

Stainton House earns an INVESTIGATE rating with HP Score 64/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (21/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

21/ 100

Low

Transit & Bike

Transit 25Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +9.5% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10000903140· as of 10 Oct 2026
Rental economics0/40
gross yield 3.7%; range width penalty ×0.70
- valuation_snapshotsrent estimate 1400/mo (range 1250-1600)· as of 10 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -999/mo, -71% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 108 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 4 Nov 2026
Risk & liquidity14.6/15
434 sales/12mo in area; valuation range width 10%
- 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,250-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£550/mo
Cash on cash: -4.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.92 - 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 10000903140Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1250-1600)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 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

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 1400/mo (range 1250-1600)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£497,000

Rent Estimate (pcm)£1,400

Gross Yield3.73%

1y Growth-12.9%

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA14 4PU

Approval Rate

-12mo

Development

low

4/26/2277/0F1
CHANGE OF USE FROM DWELLINGHOUSE (USE CLASS C3) TO USE AS A SUPPORT AND TRAINING FACILITY TO PROVIDE INDEPENDENT LIVING SKILLS TO YOUNG PEOPLE (SUI GENERIS)
Pending
4/26/2154/0F1
CHANGE OF USE OF AGRICULTURAL LAND TO A PRIVATE, PRE-BOOKED DOG EXERCISE AREA (LOW-INTENSITY LEISURE USE), INCLUDING REINFORCEMENT OF EXISTING BOUNDARY FENCING, INSTALLATION OF SECURE PEDESTRIAN ACCESS GATE, AND PROVISION OF SMALL CUSTOMER PARKING AREA
Approved
4/26/2015/0F1
INSTALLATION OF FIVE SCULPTURE POLES FORMING PART OF AN ART TRAIL
Approved

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 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

Distington Community School
0.7 mi
Good
West Cumbria Learning Centre
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Lowca Community School
1.4 mi
GoodConcerns
Lakes College - West Cumbria
1.5 mi
-

0 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Orchard Common Side
-
£250k
-
28 Common Side
-
£217k
-
17 Common Side
-
£250k
-
13 Common Side
-
£265k
-

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