Crossthwaite Cottage, Garsdale, Sedbergh, LA10 5PJ

UPRN:10003962472Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: E (44)

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

Crossthwaite Cottage, Garsdale, Sedbergh, LA10 5PJ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£261,000

£209k - £314kLow

Estimate

£261k

Range

£209k – £314k

Rent Estimate (pcm)

£700

£600 - £800

Monthly

£700

Yield

3.36%

Verdict

Derived from HomePortfolio scores

Crossthwaite Cottage earns an INVESTIGATE rating with HP Score 46/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (0/100). 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 covenantsHM Land Registry Price PaidOverture Maps PlacesOfsted / DfE GIAS

HP Score

46/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

15/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 7Bike 8

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£250,000

At the asking price

Monthly rent£700/mo

Evidenced range £600-£800

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£359/mo
Cash on cash: -5.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.83 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£261,000

Rent Estimate (pcm)£700

Gross Yield3.36%

1y Growth-

3y Growth-0.3%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0LA10 5PJ

Approval Rate

-12mo

Development

low

View Planning Timeline

Ownership

Corporate Ownership79.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied79%

Age Distribution

0-15 14%16-64 56%65+ 30%

View Area Profile

Schools Nearby

Dent CofE Voluntary Aided Primary School
4.0 mi
Good
Settlebeck School
6.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Sedbergh Primary School
6.3 mi
GoodConcerns
Sedbergh School
6.5 mi
Inspected by ISI

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

View All Schools

Comparables

View All

The Old Joinery
-
£415k
-
Crossthwaite
-
£315k
-
The Old Joinery
-
£375k
-
West Little Town
-
£240k
-

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