4 Windermere Road, Staveley, Kendal, LA8 9LY

UPRN:100110345775Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: -EPC: D (67)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

4 Windermere Road, Staveley, Kendal, LA8 9LY

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£217,000

£206k - £227kHigh

Estimate

£217k

Range

£206k – £227k

Rent Estimate (pcm)

£600

£500 - £650

Monthly

£600

Yield

2.88%

Verdict

Derived from HomePortfolio scores

4 Windermere Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (53/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

53/ 100

Moderate

Transit & Bike

Transit 3Bike 23

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -15.2% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110345775· as of 12 Oct 2026
Rental economics0/40
gross yield 2.9%; range width penalty ×0.70
- valuation_snapshotsrent estimate 600/mo (range 500-650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -744/mo, -124% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 32 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 3 Nov 2026
Risk & liquidity14.7/15
76 sales/12mo in area; valuation range width 10%
- 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

£187,500£287,500

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£250,000

At the asking price

Monthly rent£600/mo

Evidenced range £500-£650

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£428/mo
Cash on cash: -6.5%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - 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_snapshotsestimate for 100110345775Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 500-650)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 600/mo (range 500-650)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£217,000

Rent Estimate (pcm)£600

Gross Yield2.88%

1y Growth-

3y Growth-4.3%

5y Growth+1.2%

10y Growth+1.4%

Last Sold Price£180,000 (2017-12-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA8 9LY

Approval Rate

-12mo

Development

low

7/2026/5588
First floor extension to existing bungalow with two storey extension to rear
Pending
T/2026/0197
1 x yew (1) - raise crown to 4m. 1 x katsura (2) - reduce crown by up to 2m. 1 x hankerchief tree (3) - reduce crown by 1m. 1 x acer (4) - fell supressed stem over neighbouring property. 1 x beech (5) - fell. 1 x pear (6) - fell
Pending
T/2026/0171
2 x Lawson Cypress trees (Listed as T1 & T2 in notification) - Reduce height by 3m leaving the trees approximately 3m in height.
Approved

View Planning Timeline

Ownership

Corporate Ownership80.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-12-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density28 /km²

Owner Occupied71%

Age Distribution

0-15 14%16-64 57%65+ 29%

View Area Profile

Schools Nearby

Staveley CofE School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Cairn Education CIC
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Oswald's CofE Primary School
2.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Martin & St Mary Church of England Primary School
3.5 mi
Good

0 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Meadowbank Lodge Windermere Road
-
£286k
-
1 Windermere Road
-
£190k
-
The Old Bank Windermere Road
-
£230k
-
4 Windermere Road
-
£180k
-

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