7 Whitehaven Road, Cleator Moor, CA25 5QW

UPRN:100110304971Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: C (70)

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

7 Whitehaven Road, Cleator Moor, CA25 5QW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£49,000

£39k - £59kLow

Estimate

£49k

Range

£39k – £59k

Rent Estimate (pcm)

£300

£300 - £350

Monthly

£300

Yield

3.00%

Verdict

Derived from HomePortfolio scores

7 Whitehaven Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (47/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

47/ 100

Mixed

Transit & Bike

Transit 25Bike 23

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 economics0/40
gross yield 3.0%; range width penalty ×0.87
- valuation_snapshotsrent estimate 300/mo (range 300-350)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -416/mo, -139% 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 5 Nov 2026
Risk & liquidity9.1/15
61 sales/12mo in area; valuation range width 41%
- 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£119,995

At the asking price

Monthly rent£300/mo

Evidenced range £300-£350

Interest rate5.4%

Loan to value75%

Cash required: £37,299
Net cash flow: -£197/mo
Cash on cash: -6.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.74 - 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_snapshotsrent estimate 300/mo (range 300-350)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 300/mo (range 300-350)

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£49,000

Rent Estimate (pcm)£300

Gross Yield3.00%

1y Growth-

3y Growth-0.1%

5y Growth+1.5%

10y Growth+3.0%

Last Sold Price£47,000 (2026-03-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

-CA25 5QW

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
4/26/2223/0F1
ROOF ALTERATION AND EXTENSION TO CREATE ADDITIONAL BEDROOMS TO APPROVED FLEXIBLE USE (APPROVAL 4/26/2032/0F1)
Approved

View Planning Timeline

Ownership

Corporate Ownership80.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2026-03-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied80%

Age Distribution

0-15 17%16-64 65%65+ 18%

View Area Profile

Schools Nearby

Moor Row Community Primary School
0.9 mi
Good
St Patrick's Catholic Primary School
1.0 mi
GoodImproving
Montreal CofE Primary School
1.1 mi
-
Cleator Moor Nursery School
1.1 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

8 Whitehaven Road
-
£82k
-
Greenways Whitehaven Road
-
£155k
-
Kerlin Whitehaven Road
-
£225k
-
Banksville Whitehaven Road
-
£200k
-

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