Four Wynds, Dearham, Maryport, CA15 7JQ

UPRN:10008821413Detached Bungalow3 bedsBuilt 1967-1975

FreeholdCouncil Tax: -EPC: D (67)AI-Powered Intelligence

Data freshness:Listing· freshPlanning· 2mo agoEPC· 3mo agoRisk· 2mo agoConnectivity· 2mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

yesterday

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

Confidence

Medium

Sale Estimate

£425,000

£404k - £447kHigh

Estimate

£425k

Range

£404k – £447k

Rent Estimate (pcm)

£1,850

£2k - £2kMedium

Monthly

£1,850

Yield

AI Verdict

Derived from HomePortfolio scores

AI summary

Four Wynds earns a INVESTIGATE rating with HP Score 67/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (6/100). 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 historygaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

67/ 100

Moderate

Investment Score

63/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

6/ 100

Low

Transit & Bike

Low

Real Data

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
listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£20,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,750-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £7,300
Net cash flow: £1,213/mo
Cash on cash: 199.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 27.41 - clears 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£425,000

Rent Estimate (pcm)£1,850

Gross Yield-

1y Growth-

3y Growth+3.1%

5y Growth+4.3%

10y Growth+2.1%

Last Sold Price£400,000 (2026-02-05)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide2
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA15 7JQ

Approval Rate

-12mo

Development

low

Allerdale/TEL/2023/0372
Proposed telecommunications installation: 5 x 9 metre medium telecommunications poles
Approved
Allerdale/TEL/2023/0361
Proposed telecommunications installation: 3 x 9 metre medium telecommunications poles
Approved
Allerdale/TEL/2023/0114
Notification under Regulation 5 for the installation of 2 no. 9 metre telecommunications poles
Approved

View Planning Timeline

Ownership

Corporate Ownership78.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2026-02-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£34,890

Population Density-

Owner Occupied75%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Dearham Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Crosscanonby St John's CofE School
1.0 mi
GoodConcerns
Netherhall School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Ellenborough Academy
1.6 mi
Good

0 of 14 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

Four Wynds
-
£400k
-
Scheme Farm
-
£400k
-
Four Wynds
-
£220k
-
Scheme Farm
-
£130k
-

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