Crossway, Underbarrow, Underbarrow, Kendal, LA8 8HQ

UPRN:10003949154Detached Bungalow3 bedsBuilt 1976-1982

FreeholdCouncil Tax: -EPC: D (56)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

Crossway, Underbarrow, Underbarrow, Kendal, LA8 8HQ

Location map - no listing photos available

HP Score

/ 100

Strong

Verdict

yesterday

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£523,000

£496k - £549kHigh

Estimate

£523k

Range

£496k – £549k

Rent Estimate (pcm)

£1,750

£2k - £2kMedium

Monthly

£1,750

Yield

AI Verdict

Derived from HomePortfolio scores

AI summary

Crossway earns a INVESTIGATE rating with HP Score 61/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (8/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

61/ 100

Moderate

Investment Score

59/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

8/ 100

Low

Transit & Bike

Low

Real Data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 17 Sept 2026

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

Valuation edge0/40
claims [AVM -0.4% (HIGH)] → consensus -0.4% → credited 0.0% after backtest shrinkage; single-source claim - capped pending corroboration
- zoopla_valuationsestimate for 10003949154· as of 12 Aug 2026
Rental economics0/30
gross yield 4.0%; range width penalty ×0.74
- zoopla_valuationsrent estimate 1750/mo (range 1550-1950)· as of 12 Aug 2026· verify before relying on this
Seller motivation5/20
0 price cut(s), 297 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 17 Sept 2026
Risk & liquidity9.7/10
78 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivity

£394,000£604,000

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£525,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,550-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£560/mo
Cash on cash: -3.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - 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

zoopla_valuationsestimate for 10003949154Valuation edge · as of 12 Aug 2026
zoopla_valuationsrent estimate 1750/mo (range 1550-1950)Rental economics · as of 12 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 17 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1750/mo (range 1550-1950)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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 discount as unconfirmed - compare recent sold prices on the street yourself before pricing an offer around it.
Only one independent source currently supports the valuation edge.
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£523,000

Rent Estimate (pcm)£1,750

Gross Yield-

1y Growth-

3y Growth-4.1%

5y Growth+1.0%

10y Growth+2.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide2
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA8 8HQ

Approval Rate

-12mo

Development

low

2026/1826/TPO
Works to trees subject to South Lakeland DC TPO No 198 2005 comprising T35) Sycamore - Crown thin by 15% for general tree management. T22, 53 & 54) Sycamore - Along Underhill Road boundary of No.3. Crown raise to 5.2m for highways clearance
Pending
2026/1804/TPO
Works to trees subject to South Lakeland DC TPO No 38 1981 comprising Sycamore, Crown reduce by 2m all over crown and crown thin by 25%
Pending
7/2026/5500
Installation of solar panels to roof of separate barn/garage together with associated works
Pending

View Planning Timeline

Ownership

Corporate Ownership80.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£32,683

Population Density45 /km²

Owner Occupied67%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

Crosthwaite CofE School
1.5 mi
Outstanding
Cambian Whinfell School
2.7 mi
Outstanding
Ghyllside Primary School
2.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Kendal Nursery School
2.8 mi
-

1 of 10 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

Fallen Yew Barn
-
£3k
-
Fallen Yew
-
£750k
-
Chippings
-
£410k
-
Rockside
-
£305k
-

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