26 Moorgarth, Swarthmoor, Ulverston, LA12 0HX

UPRN:100110350078Terrace Property3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band BEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

26 Moorgarth, Swarthmoor, Ulverston, LA12 0HX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£253,000

£240k - £265kHigh

Estimate

£253k

Range

£240k – £265k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

6.23%

Verdict

Derived from HomePortfolio scores

26 Moorgarth earns an INVESTIGATE rating with HP Score 70/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 45Bike 13

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£260,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: £57/mo
Cash on cash: 0.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - 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£253,000

Rent Estimate (pcm)£1,350

Gross Yield6.23%

1y Growth-5.6%

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.7%

Last Sold Price£119,950 (2014-08-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA12 0HX

Approval Rate

-12mo

Development

low

2026/2076/TPO
Works to trees subject to South Lakeland DC TPO No. 241 2012 comprising a health check, removal of deadwood and crown raising of five mature Sycamore trees to provide clearance beneath the crowns and maintain the trees in a safe and healthy condition
Pending
2026/1775/DISC
Application for the approval of details reserved by conditions 10 & 12 (surface water drainage) attached to outline planning permission SL/2015/0001 amended by non-material amendment application 2025/1207/NMA
Pending
2026/1772/NMA
Non-material amendment to substitute a revised phasing plan for that previously agreed (by application SL/2020/0396) in compliance with conditions 4, 5, 8 and 15 of the outline planning permission granted under reference SL/2015/0001
Pending

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-08-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density1,727 /km²

Owner Occupied87%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

Pennington CofE School
0.4 mi
Good
Croftlands Junior School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Croftlands Infant School
0.9 mi
GoodConcerns
St Mary's Catholic Primary School, Ulverston
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

29 Moorgarth
-
£160k
-
45 Moorgarth
-
£187k
-
18 Moorgarth
-
£190k
-
32 Moorgarth
-
£150k
-

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