Flat 15, Sedgwick House, Sedgwick, Sedgwick, Kendal, LA8 0JX

UPRN:10003948150Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: -EPC: F (34)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 15, Sedgwick House, Sedgwick, Sedgwick, Kendal, LA8 0JX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£284,000

£269k - £298kHigh

Estimate

£284k

Range

£269k – £298k

Rent Estimate (pcm)

£750

£650 - £850

Monthly

£750

Yield

3.16%

Verdict

Derived from HomePortfolio scores

Flat 15 earns an INVESTIGATE rating with HP Score 60/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (1/100). 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

60/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

1/ 100

Low

Transit & Bike

Transit 30Bike 5

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 10 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 -0.4% (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 10003948150· as of 12 Oct 2026
Rental economics0/40
gross yield 3.2%; range width penalty ×0.67
- valuation_snapshotsrent estimate 750/mo (range 650-850)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -781/mo, -104% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 122 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 10 Nov 2026
Risk & liquidity14.6/15
76 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

£214,000£328,000

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£285,000

At the asking price

Monthly rent£750/mo

Evidenced range £650-£850

Interest rate5.4%

Loan to value75%

Cash required: £91,050
Net cash flow: -£443/mo
Cash on cash: -5.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.78 - 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 10003948150Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 650-850)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 750/mo (range 650-850)
Stress margin needs verification before you rely on it
costs not disclosed by 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. 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£284,000

Rent Estimate (pcm)£750

Gross Yield3.16%

1y Growth-

3y Growth-4.3%

5y Growth+1.2%

10y Growth+1.4%

Last Sold Price£87,000 (1997-09-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1LA8 0JX

Approval Rate

100%12mo

Development

low

2026/1201/TPO
South Lakeland DC TPO No 64 1987 - T2 & T3 - Scots Pine - Remove dead branches and slight height reduction to prevent the dead branches from dropping on Back Lane in future storms and to maintain the health of the trees. Remove some of the ivy growing on the trunk of T3 to help improve visibility of the trunk and be able to check its condition
Approved
2026/0862/HOU
Proposed lower ground floor extension with external stairs leading to the rear terrace. Extension to the southeast facing gable, reconfiguration of the southwest elevation to replace the existing gabled feature window with a gabled covered entrance porch; extension to the northeast elevation with an additional gable window and enlargement of the terrace and associated external amenity area.
Conditions
2025/1349/FPA
Variation of conditions 2 (approved plans) and 3 (materials) & 5 (bird box) attached to planning permission 2024/2367/FPA (Construction of a free standing building in the rear garden to be used as an office/guest accommodation with WC & shower room and external storage room)
Conditions

View Planning Timeline