26 Church Road, Harrington, Workington, CA14 5PT

UPRN:100110229945Semi-Detached House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (57)

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

26 Church Road, Harrington, Workington, CA14 5PT

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£157,000

£125k - £188kLow

Estimate

£157k

Range

£125k – £188k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

5.65%

Verdict

Derived from HomePortfolio scores

26 Church Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (38/100). 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

70/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

38/ 100

Mixed

Transit & Bike

Transit 3Bike 18

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 economics4.3/40
gross yield 5.6%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 700-850)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -259/mo, -32% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
434 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£170,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: -£20/mo
Cash on cash: -0.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - clears 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 800/mo (range 700-850)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 800/mo (range 700-850)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£157,000

Rent Estimate (pcm)£800

Gross Yield5.65%

1y Growth+341.7%

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price£109,000 (2019-02-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA14 5PT

Approval Rate

-12mo

Development

low

HOU/2026/0132
Rear extension, adding Dorma's to front elevation and driveway extension.
Pending
HOU/2026/0104
Dormers to front and rear roof elevations
Approved
LBC/2026/0028
Listed Building consent for the replacement of 22 windows and 1 set of French Doors
Rejected

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining855 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-02-11
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 Density1,392 /km²

Owner Occupied81%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Beckstone Primary School
0.1 mi
Good
St Mary's Catholic Primary School
0.3 mi
Good
Westfield Nursery and Primary School
1.0 mi
Good
St Gregory's Catholic Primary School, Workington
1.3 mi
Inspected as St Gregory's Catholic Primary School (URN 112339) on 1 May 2019

1 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

53 Church Road
-
£75k
-
30 Church Road
-
£265k
-
The United Reformed Church Church Road
-
£60k
-
27 Church Road
-
£250k
-

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