19 Lumley Road, Kendal, LA9 5HT

UPRN:100110341928Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: E (50)

Data freshness:Listing· freshOwnership· freshEPC· 5mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£472,000

£448k - £495kHigh

Estimate

£472k

Range

£448k – £495k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

3.92%

Verdict

Derived from HomePortfolio scores

19 Lumley Road earns an INVESTIGATE rating with HP Score 65/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (17/100). 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)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

65/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

17/ 100

Low

Transit & Bike

Transit 44Bike 19

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£475,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,350-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£530/mo
Cash on cash: -4.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.97 - 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£472,000

Rent Estimate (pcm)£1,550

Gross Yield3.92%

1y Growth-10.6%

3y Growth-0.3%

5y Growth+2.6%

10y Growth+3.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1LA9 5HT

Approval Rate

-12mo

Development

low

2026/2077/HOU
Single storey rear extension to form disabled access bedroom
Pending
2026/2052/PALHE
Prior approval for a single-storey rear extension under Part 1 Class A
Pending
2026/1866/TPO
Works to trees subject to South Lakeland DC TPO No 52 1984 T2 Beech - Crown reduction of branches extending towards No. 5 by up to 2.5 metres, where they are encroaching over the roof and patio area.
Approved

View Planning Timeline

Ownership

Corporate Ownership67.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied84%

Age Distribution

0-15 13%16-64 53%65+ 34%

View Area Profile

Schools Nearby

Dean Gibson Catholic Primary School, Kendal
0.3 mi
Good
Vicarage Park CofE Primary School
0.4 mi
Good
Kendal College
0.5 mi
-
Ghyllside Primary School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

1 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Lumley Road
-
£540k
-
18 Lumley Road
-
£525k
-
2 Lumley Road
-
£650k
-
14 Lumley Road
-
£525k
-

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