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Four Wynds, Dearham, Maryport, CA15 7JQ

UPRN:10008821413Detached Bungalow3 bedsBuilt 1967-1975
FreeholdCouncil Tax: -EPC: D (67)AI-Powered Intelligence
Data freshness:Listing· freshListing: fresh, refreshed 5d ago (2026-09-16T04:00:02.584543+00:00)Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-07-10T09:33:01.279503+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· freshCrime: fresh, refreshed yesterday (2026-09-20T01:24:22.764986+00:00)Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T02:37:19.861486+00:00)Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Four Wynds, Dearham, Maryport, CA15 7JQ

HP Score

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 64/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is 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
64/ 100
Moderate
Investment Score
63/ 100
Moderate
Crime Score
17/ 100
Moderate
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
£20,000

At the asking price

£1,850/mo

Evidenced range £1,750-£2,000

5.4%
75%
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. 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
    -