44 Northumberland Street, Workington, CA14 3EY

UPRN:100110236643Mid Terrace HouseBeds -Built before 1900

LeaseholdCouncil Tax: Band AEPC: E (44)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

44 Northumberland Street, Workington, CA14 3EY

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£139,000

£125k - £153kMedium

Estimate

£139k

Range

£125k – £153k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

7.03%

Verdict

Derived from HomePortfolio scores

44 Northumberland Street earns an INVESTIGATE rating with HP Score 84/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (90/100). 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

84/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

90/ 100

Excellent

Transit & Bike

Transit 33Bike 49

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£144,995

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £45,199
Net cash flow: £99/mo
Cash on cash: 2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.74 - 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£139,000

Rent Estimate (pcm)£850

Gross Yield7.03%

1y Growth+38.5%

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.7%

Last Sold Price£70,000 (2025-07-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA14 3EY

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
FUL/2026/0135
Proposed replacement of exisitng windows with new timber sliding sash
Pending
LBC/2026/0039
Listed building consent for the proposed replacement of exisitng windows with new timber sliding sash
Pending

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2025-07-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied88%

Age Distribution

0-15 16%16-64 63%65+ 21%

View Area Profile

Schools Nearby

St Josephs Catholic High School, Workington
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Victoria Infant and Nursery School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Victoria Junior School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Ashfield Infant & Nursery School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

43 Northumberland Street
-
£150k
-
31 Northumberland Street
-
£105k
-
26 Northumberland Street
-
£135k
-
24 Northumberland Street
-
£136k
-

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