58 Main Street, Cleator, CA23 3BT

UPRN:100110305174Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (62)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£75,000

£71k - £78kHigh

Estimate

£75k

Range

£71k – £78k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

11.14%

Verdict

Derived from HomePortfolio scores

58 Main Street earns an INVESTIGATE rating with HP Score 84/100. Investment score 82/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (90/100). 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)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

84/ 100

Strong

Investment Score

82/ 100

High

Crime Score

22/ 100

Moderate

Walkability

90/ 100

Excellent

Transit & Bike

Transit 31Bike 32

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 10 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +6.7% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110305174· as of 12 Oct 2026
Rental economics35.7/40
gross yield 11.1%; range width penalty ×0.89
- valuation_snapshotsrent estimate 650/mo (range 600-700)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 10 Nov 2026· verify before relying on this
Stress margin8.1/30
stressed cash flow +52/mo, +8% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 123 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 10 Nov 2026
Risk & liquidity11.5/15
16 sales/12mo in area; valuation range width 9%
- 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

£52,500£80,500

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£70,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £22,300
Net cash flow: £214/mo
Cash on cash: 11.5%
Score at this price: 55

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.75 - clears 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 100110305174Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-700)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 650/mo (range 600-700)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£75,000

Rent Estimate (pcm)£650

Gross Yield11.14%

1y Growth-

3y Growth+10.1%

5y Growth+5.2%

10y Growth-0.3%

Last Sold Price£12,000 (2000-09-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA23 3BT

Approval Rate

-12mo

Development

low

4/26/2317/0F1
PROPOSED RESIDENTIAL DEVELOPMENT OF NO.51 HOUSES AND BUNGALOWS INCLUDING INFRASTRUCTURE, LANDSCAPING AND BNG UPLIFT
Pending
4/26/2297/0F1
CHANGE OF USE OF UNIT FROM DOG TRAINING STUDIO (USE CLASS SUI GENERIS) TO GYM (USE CLASS E(D))
Pending
4/26/2285/0D1
APPLICATION FOR A LAWFUL DEVELOPMENT CERTIFICATE FOR A PROPOSED REPLACEMENT TRANSFORMER
Pending

View Planning Timeline

Ownership

Corporate Ownership85.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2000-09-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density171 /km²

Owner Occupied71%

Age Distribution

0-15 17%16-64 64%65+ 19%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

77 Main Street
-
£53k
-
61 Main Street
-
£61k
-
77 Main Street
-
£46k
-
78 Main Street
-
£88k
-

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