Flat 2, 24 Church Street, Egremont, CA22 2AW

UPRN:100110688980Flat/MaisonetteBeds -Built 1983-1990

FreeholdCouncil Tax: Band AEPC: C (71)

Data freshness:Listing· freshOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat 2, 24 Church Street, Egremont, CA22 2AW

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£60,000

£54k - £66kMedium

Estimate

£60k

Range

£54k – £66k

Rent Estimate (pcm)

£300

£250 - £350

Monthly

£300

Yield

1.03%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 80/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (86/100). 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 listingsMarket 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

80/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

86/ 100

Excellent

Transit & Bike

Transit 29Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -483.3% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100110688980· as of 13 Oct 2026
Rental economics0/40
gross yield 1.0%; range width penalty ×0.53
- valuation_snapshotsrent estimate 300/mo (range 250-350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,386/mo, -462% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 47 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 9 Nov 2026
Risk & liquidity12.8/15
75 sales/12mo in area; valuation range width 20%
- 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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£350

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£974/mo
Cash on cash: -10.3%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.25 - 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 100110688980Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 300/mo (range 250-350)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 300/mo (range 250-350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£60,000

Rent Estimate (pcm)£300

Gross Yield1.03%

1y Growth-

3y Growth+6.7%

5y Growth+0.0%

10y Growth+3.0%

Last Sold Price£52,500 (2010-08-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

-CA22 2AW

Approval Rate

-12mo

Development

4/26/2331/DOC
DISCHARGE OF CONDITION 12 OF PLANNING APPROVAL 4/24/2044/0F1
Approved
4/26/2293/DOC
DISCHARGE OF CONDITIONS 15, 18, 20 AND 21 OF PLANNING APPROVAL 4/24/2044/0F1
Approved
4/26/2287/0A1
ADVERTISING CONSENT FOR THE ERECTION OF SIX ADVERTISING BOARDS ON EXISTING BOUNDARY HOARDING
Approved

View Planning Timeline

Ownership

Corporate Ownership78.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2010-08-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied76%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

Bookwell Primary School
0.2 mi
Outstanding
St Bridget's Catholic Primary School
0.3 mi
Good
Orgill Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Thornhill Primary School
1.1 mi
Good

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Church Street
-
£105k
-
Woodman, 28 Church Street
-
£120k
-
Woodman, 28 Church Street
-
£124k
-
24 Church Street
-
£53k
-

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