Four Wynds, Dearham, Maryport, CA15 7JQ

UPRN:10008821413Detached Bungalow3 bedsBuilt 1967-1975

FreeholdCouncil Tax: -EPC: D (67)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£419,000

£398k - £440kHigh

Estimate

£419k

Range

£398k – £440k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

Verdict

Derived from HomePortfolio scores

Four Wynds earns an INVESTIGATE rating with HP Score 64/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (6/100). 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

64/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

6/ 100

Low

Transit & Bike

Transit 24Bike 3

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
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 £1,700-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £6,300
Net cash flow: £1,213/mo
Cash on cash: 231.1%
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£419,000

Rent Estimate (pcm)£1,850

Gross Yield-

1y Growth-

3y Growth+3.8%

5y Growth+4.3%

10y Growth+2.3%

Last Sold Price£400,000 (2026-02-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA15 7JQ

Approval Rate

-12mo

Development

low

REG5/2026/0158
Install fixed line broadband electronic communications apparatus
Rejected
FUL/2026/0071
Two storey extension to property and extending existing drive.
Pending
REAR/2026/0007
Single storey extension extending 3.3 metres
Approved

View Planning Timeline

Ownership

Corporate Ownership78.7%
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

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

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 2026 - 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