3–4 Smithy Cottages, Hayton, Aspatria, Wigton, CA7 2NR

UPRN:10008819982Semi-Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (54)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3–4 Smithy Cottages, Hayton, Aspatria, Wigton, CA7 2NR

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£186,000

£149k - £223kLow

Estimate

£186k

Range

£149k – £223k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

3.23%

Verdict

Derived from HomePortfolio scores

3–4 Smithy Cottages earns an INVESTIGATE rating with HP Score 60/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (5/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

5/ 100

Low

Transit & Bike

Transit 25Bike 2

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.2%; range width penalty ×0.91
- valuation_snapshotsrent estimate 700/mo (range 650-750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -712/mo, -102% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.3/15
231 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£260,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: -£393/mo
Cash on cash: -5.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - 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_snapshotsrent estimate 700/mo (range 650-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 700/mo (range 650-750)

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.
2 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£186,000

Rent Estimate (pcm)£700

Gross Yield3.23%

1y Growth-

3y Growth+1.6%

5y Growth+2.6%

10y Growth+4.8%

Last Sold Price£210,000 (2007-05-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA7 2NR

Approval Rate

-12mo

Development

low

HOU/2026/0093
Siting of a converted shipping container in rear garden for use as a hairdressing area
Approved
FUL/2026/0045
Demolition of existing dwelling and erection of new dwelling
Pending
AGR/2024/0046
Excavation of existing ground and construction of field access track
Approved

View Planning Timeline

Ownership

Corporate Ownership85.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-05-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied81%

Age Distribution

0-15 17%16-64 57%65+ 26%

View Area Profile

Schools Nearby

Oughterside Primary School
1.0 mi
Good
Allonby Primary School
1.9 mi
Good
Beacon Hill Community School
2.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Matthew's CofE School
2.4 mi
GoodConcerns

0 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 - 2 Smithy Cottages
-
£144k
-
3 - 4 Smithy Cottages
-
£210k
-
1 - 2 Smithy Cottages
-
£80k
-
3 - 4 Smithy Cottages
-
£36k
-

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