16 Scafell Close, Whitehaven, CA28 8DS

UPRN:100110320835Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band AEPC: E (50)

Data freshness:Ownership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

7 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£134,000

£121k - £147kMedium

Estimate

£134k

Range

£121k – £147k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

5.57%

Verdict

Derived from HomePortfolio scores

16 Scafell Close earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (31/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

31/ 100

Mixed

Transit & Bike

Transit 2Bike 27

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£140,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £43,600
Net cash flow: -£23/mo
Cash on cash: -0.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.38 - 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£134,000

Rent Estimate (pcm)£650

Gross Yield5.57%

1y Growth+49.7%

3y Growth+3.2%

5y Growth+2.8%

10y Growth+2.2%

Last Sold Price£80,000 (2022-05-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

-CA28 8DS

Approval Rate

-12mo

Development

4/26/2332/0F1
PROPOSED GARAGE AND STORAGE SHED
Pending
4/26/2323/0F1
PROPOSED TWO STOREY SIDE EXTENSION AND SINGLE STOREY FRONT EXTENSION
Pending
4/26/2318/0L1
LISTED BUILDING CONSENT FOR PROPOSED NEW SINGLE STOREY REAR EXTENSION AND INTERNAL ALTERATIONS
Pending

View Planning Timeline