37A Croftlands, Warton, Carnforth, LA5 9PZ

UPRN:100010454508Flat/Maisonette2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band AEPC: C (71)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

37A Croftlands, Warton, Carnforth, LA5 9PZ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£133,000

£127k - £140kHigh

Estimate

£133k

Range

£127k – £140k

Rent Estimate (pcm)

£350

£300 - £400

Monthly

£350

Yield

3.13%

Verdict

Derived from HomePortfolio scores

37A Croftlands earns an INVESTIGATE rating with HP Score 66/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (20/100). 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)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

66/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

20/ 100

Low

Transit & Bike

Transit 7Bike 7

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 12 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.8% (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 100010454508· as of 12 Oct 2026
Rental economics0/40
gross yield 3.1%; range width penalty ×0.63
- valuation_snapshotsrent estimate 350/mo (range 300-400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -439/mo, -125% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 12 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 198 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 12 Nov 2026
Risk & liquidity14.7/15
170 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

£100,500£154,000

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£134,000

At the asking price

Monthly rent£350/mo

Evidenced range £300-£400

Interest rate5.4%

Loan to value75%

Cash required: £41,680
Net cash flow: -£210/mo
Cash on cash: -6.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.77 - 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 100010454508Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 350/mo (range 300-400)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 12 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 350/mo (range 300-400)
Stress margin needs verification before you rely on it
service charge / ground rent from the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£133,000

Rent Estimate (pcm)£350

Gross Yield3.13%

1y Growth-

3y Growth+3.6%

5y Growth+4.0%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA5 9PZ

Approval Rate

-12mo

Development

low

26/01084/FUL
Erection of a two storey rear extension, erection of two storey side extension, construction of a dormer extension to the south elevation, installation of solar panels to the south elevation, roof lights to the north elevation, installation of windows and doors
Pending
26/00157/DIS
Discharge of condition 3 (Material Samples) on approved application 24/00717/FUL
Pending
26/0191/TPO
2 x Horse Chestnut trees (T1/T2) - Crown lift branches to maintain a 1m clearance above outbuildings annually.
Approved

View Planning Timeline

Ownership

Corporate Ownership79.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density103 /km²

Owner Occupied84%

Age Distribution

0-15 14%16-64 53%65+ 33%

View Area Profile

Schools Nearby

Warton Archbishop Hutton's VC Primary School
0.3 mi
Good
Yealand Church of England Primary School
1.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Carnforth Christ Church, Church of England, Voluntary Aided Primary School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Carnforth Community Primary School
1.6 mi
Good

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

View All Schools

Comparables

View All

45 Croftlands
-
£165k
-

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