3 Chapel Terrace, Ennerdale Road, Cleator Moor, CA25 5LQ

UPRN:10000907433Terrace Property2 bedsBuilt -

FreeholdCouncil Tax: -EPC: B (85)

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

3 Chapel Terrace, Ennerdale Road, Cleator Moor, CA25 5LQ

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

£88,000

£84k - £93kHigh

Estimate

£88k

Range

£84k – £93k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

7.33%

Verdict

Derived from HomePortfolio scores

3 Chapel Terrace earns an INVESTIGATE rating with HP Score 72/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (48/100). 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

72/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

48/ 100

Mixed

Transit & Bike

Transit 45Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -2.3% (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 12 Oct 2026
- valuation_snapshotsestimate for 10000907433· as of 12 Oct 2026
Rental economics34.1/40
gross yield 9.3% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 695/mo (tenanted)· as of 2 Nov 2026
Stress margin0.2/30
stressed cash flow +1/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 4 price cut(s), 140 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 2 Nov 2026
Risk & liquidity14.6/15
61 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

£67,500£103,500

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£90,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £28,300
Net cash flow: £77/mo
Cash on cash: 3.3%
Score at this price: 49

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.81 - clears 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 10000907433Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 695/mo (tenanted)Rental economics · as of 2 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Seller motivation could not be scored
context, not scored: 4 price cut(s), 140 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
4 price cut(s) recorded on the listing history.
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£88,000

Rent Estimate (pcm)£550

Gross Yield7.33%

1y Growth-

3y Growth-0.1%

5y Growth+1.5%

10y Growth+3.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

-CA25 5LQ

Approval Rate

-12mo

Development

4/26/2299/DOC
DISCHARGE OF CONDITIONS 3, 4, 5, 9, 10 AND 11 OF PLANNING APPROVAL 4/26/2132/0F1
Pending
4/26/2289/DOC
DISCHARGE OF CONDITIONS 10 & 11 OF PLANNING APPROVAL 4/25/2048/0F1
Pending
4/26/2276/DOC
DISCHARGE OF CONDITION 19 OF PLANNING APPLICATION 4/25/2411/0F1
Approved

View Planning Timeline

Ownership

Corporate Ownership80.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density4,915 /km²

Owner Occupied44%

Age Distribution

0-15 20%16-64 57%65+ 23%

View Area Profile

Schools Nearby

Montreal CofE Primary School
0.2 mi
-
Cleator Moor Nursery School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Patrick's Catholic Primary School
0.3 mi
GoodImproving
Moor Row Community Primary School
1.3 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

137 Ennerdale Road
-
£90k
-
144 Ennerdale Road
-
£120k
-
1 Chapel Terrace
-
£98k
-
4 Chapel Terrace
-
£95k
-

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