110 Gray Street, Workington, CA14 2NQ

UPRN:100110232833Flat/Maisonette1 bedsBuilt before 1900

Tenure: -Council Tax: Band AEPC: D (58)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£73,000

£69k - £77kHigh

Estimate

£73k

Range

£69k – £77k

Rent Estimate (pcm)

£350

£300 - £350

Monthly

£350

Yield

6.13%

Verdict

Derived from HomePortfolio scores

110 Gray Street earns an INVESTIGATE rating with HP Score 83/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

83/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

93/ 100

Excellent

Transit & Bike

Transit 2Bike 50

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

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£68,500

At the asking price

Monthly rent£350/mo

Evidenced range £300-£350

Interest rate5.4%

Loan to value75%

Cash required: £21,850
Net cash flow: £11/mo
Cash on cash: 0.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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£73,000

Rent Estimate (pcm)£350

Gross Yield6.13%

1y Growth-

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA14 2NQ

Approval Rate

-12mo

Development

low

CAT/2026/0023
T1 - Proposed Partial Felling T2 - Pruning of diseased branches T3 - Disease Close Up T4 - Branch Falling T5 - Branch Crack at Base
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 Remaining863 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density9,054 /km²

Owner Occupied68%

Age Distribution

0-15 16%16-64 68%65+ 16%

View Area Profile

Schools Nearby

St Josephs Catholic High School, Workington
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Victoria Junior School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Patrick's Catholic Primary School
0.3 mi
Good
St Michael's Nursery and Infant School
0.3 mi
-

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

View All Schools

Comparables

View All

114 Gray Street
-
£90k
-
61 Gray Street
-
£125k
-
118 Gray Street
-
£93k
-
55 Gray Street
-
£131k
-

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