8 Dean Street, Workington, CA14 2XA

UPRN:100110231124Semi-Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: G (11)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£146,000

£131k - £160kMedium

Estimate

£146k

Range

£131k – £160k

Rent Estimate (pcm)

£700

£650 - £800

Monthly

£700

Yield

2.37%

Verdict

Derived from HomePortfolio scores

8 Dean Street earns an INVESTIGATE rating with HP Score 65/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (87/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

62/ 100

Elevated

Walkability

87/ 100

Excellent

Transit & Bike

Transit 4Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the advert has 6 bedrooms but the valuation snapshot describes 4 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -143.2% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100110231124· as of 13 Oct 2026
Rental economics0/40
gross yield 2.4%; range width penalty ×0.77
- valuation_snapshotsrent estimate 700/mo (range 650-800)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,113/mo, -159% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 79 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 9 Nov 2026
Risk & liquidity12.9/15
434 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£266,000£408,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£355,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£800

Interest rate5.4%

Loan to value75%

Cash required: £115,550
Net cash flow: -£714/mo
Cash on cash: -7.4%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.58 - below 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_snapshotsestimate for 100110231124Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 650-800)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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
Rental economics needs verification before you rely on it
rent estimate 700/mo (range 650-800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 79 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£146,000

Rent Estimate (pcm)£700

Gross Yield2.37%

1y Growth-

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price£117,000 (2017-02-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CA14 2XA

Approval Rate

100%12mo

Development

low

NMA/2026/0011
Non material amendment application relating to changes to the detailed design, appearance and construction specification of the welfare building approved under RMA/2025/0002 Reserved matters for OUT/2023/0019 for a sodium treatment facility
Pending
CON/2026/0050
Discharge of conditions 5 (Groundshare Agreement), 7 (Footways, Footpaths, Cycleways), 8 (Surface Water), 9 (Site Investigation) and 11 (Arboricultural) on approved application FUL/2025/0119
Pending
FUL/2026/0136
Hybrid planning application comprising: Full planning application for the erection of a foodstore (Class E(a)), and a drive-thru restaurant (Sui Generis), with access, car parking, landscaping and other associated works. Outline planning application for the erection of up to five retail units (Class E), with car parking, landscaping and other associated works, with all Matters Reserved save for access.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-02-08
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 Density-

Owner Occupied47%

Age Distribution

0-15 13%16-64 66%65+ 21%

View Area Profile

Schools Nearby

St Michael's Nursery and Infant School
0.1 mi
-
St Patrick's Catholic Primary School
0.3 mi
Good
Victoria Junior School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Northside Primary School
0.6 mi
Good

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 Dean Street
-
£175k
-
9 Dean Street
-
£100k
-
5 Dean Street
-
£94k
-
17 Dean Street
-
£105k
-

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