2 Castlegate, Cockermouth, CA13 9EU

UPRN:100110216513Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: Band AEPC: D (62)

Data freshness:Listing· freshPlanning· freshOwnership· freshEPC· 1mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£155,000

£124k - £186kLow

Estimate

£155k

Range

£124k – £186k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

8.64%

Verdict

Derived from HomePortfolio scores

2 Castlegate earns an INVESTIGATE rating with HP Score 80/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (80/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

80/ 100

High

Transit & Bike

Transit 28Bike 31

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a house but the valuation basis is the whole flat 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£125,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £201/mo
Cash on cash: 6.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.13 - 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£155,000

Rent Estimate (pcm)£900

Gross Yield8.64%

1y Growth-

3y Growth+0.7%

5y Growth+0.0%

10y Growth+1.7%

Last Sold Price£106,000 (2003-04-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CA13 9EU

Approval Rate

-12mo

Development

low

CON/2026/0058
Discharge of condition 25 (Archaeology) of approved application FUL/2026/0037
Pending
LBC/2026/0043
Listed building consent to form an internal stud wall to create an extra bedroom and relocation of internal doors
Pending
HOU/2026/0149
Removal of existing sunroom and erection of single storey lounge extension including replacement windows and doors to existing bungalow
Pending

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2003-04-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density646 /km²

Owner Occupied57%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

Fairfield Primary School
0.3 mi
Good
All Saints' CofE School
0.5 mi
Inspected as All Saints' CofE School (URN 112272) on 28 Jan 2025
Cockermouth School
0.5 mi
Good
Bridekirk Dovenby CofE Primary School
1.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

1 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 Castlegate
-
£160k
-
5 Castlegate
-
£100k
-
4 Castlegate
-
£130k
-
8 Castlegate
-
£256k
-

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