1 Union Street, Cleator Moor, CA25 5AL

UPRN:100110304906Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band BEPC: -

Data freshness:Listing· freshOwnership· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£163,000

£130k - £196kLow

Estimate

£163k

Range

£130k – £196k

Rent Estimate (pcm)

£500

£450 - £550

Monthly

£500

Yield

5.00%

Verdict

Derived from HomePortfolio scores

1 Union Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (66/100). 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 SourcesPortal 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

66/ 100

Moderate

Transit & Bike

Transit 33Bike 44

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£120,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£550

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: -£59/mo
Cash on cash: -1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - below 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£163,000

Rent Estimate (pcm)£500

Gross Yield5.00%

1y Growth-

3y Growth-0.1%

5y Growth+1.5%

10y Growth+3.0%

Last Sold Price£115,000 (2018-02-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

-CA25 5AL

Approval Rate

-12mo

Development

4/26/2299/DOC
DISCHARGE OF CONDITIONS 3, 4, 5, 9, 10 AND 11 OF PLANNING APPROVAL 4/26/2132/0F1
Pending
4/26/2276/DOC
DISCHARGE OF CONDITION 19 OF PLANNING APPLICATION 4/25/2411/0F1
Approved
4/26/2222/0F1
ROOF ALTERATION AND EXTENSION TO CREATE 1X RESIDENTIAL APARTMENT, USE CLASS C
Approved

View Planning Timeline

Ownership

Corporate Ownership80.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2018-02-02
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 Density774 /km²

Owner Occupied63%

Age Distribution

0-15 13%16-64 61%65+ 26%

View Area Profile

Schools Nearby

St Patrick's Catholic Primary School
0.4 mi
GoodImproving
Montreal CofE Primary School
0.4 mi
-
Cleator Moor Nursery School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Moor Row Community Primary School
1.1 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Union Street
-
£115k
-

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