Oaklea, Oakbank Avenue, Whitehaven, CA28 6LU

UPRN:100110690995Semi-Detached House5 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band EEPC: D (61)

Data freshness:Listing· freshPrice Paid· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Oaklea, Oakbank Avenue, Whitehaven, CA28 6LU

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£215,000

£204k - £226kHigh

Estimate

£215k

Range

£204k – £226k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

1.78%

Verdict

Derived from HomePortfolio scores

Oaklea earns an INVESTIGATE rating with HP Score 74/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (32/100). 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

74/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

32/ 100

Mixed

Transit & Bike

Transit 2Bike 16

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -214.0% (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 100110690995· as of 12 Oct 2026
Rental economics0/40
gross yield 1.8%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,243/mo, -224% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 101 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 2 Nov 2026
Risk & liquidity14.6/15
386 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

£506,000£776,000

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£675,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £227,550
Net cash flow: -£1,586/mo
Cash on cash: -8.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.44 - 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 100110690995Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1000/mo (range 950-1100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 101 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£215,000

Rent Estimate (pcm)£1,000

Gross Yield1.78%

1y Growth-

3y Growth+3.2%

5y Growth+2.8%

10y Growth+2.2%

Last Sold Price£175,000 (1999-10-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

-CA28 6LU

Approval Rate

-12mo

Development

4/26/2319/0F1
PROPOSED SINGLE STOREY SIDE EXTENTION AND INTERNAL ALTERATIONS
Pending
4/26/2313/0B1
VARIATION OF CONDITION 2 (PLANS) OF PLANNING APPROVAL 4/23/2336/0R1 - RESERVED MATTERS APPLICATION RELATING TO APPEARANCE, LANDSCAPING, LAYOUT AND SCALE FOLLOWING OUTLINE APPLICATION 4/21/2001/0O1 FOR A SINGLE DWELLING INCLUDING DETAILS OF ACCESS
Pending
4/26/2303/0L1
LISTED BUILDING CONSENT FOR STRIPPING SLATE ROOF, REPAIR OF RAFTERS AND INSTALLATION OF MEMBRANE AND REPLACEMENT SLATES TO ROOF OF MAIN DWELLING AND ALSO REAR EXTENSION (RETROSPECTIVE)
Pending

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-10-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied88%

Age Distribution

0-15 14%16-64 65%65+ 21%

View Area Profile

Schools Nearby

Bransty Primary School
0.1 mi
Good
St James' CofE Junior School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St James' CofE Infant and Nursery School
0.5 mi
GoodImproving
St Bridget's CofE School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

17 Oakbank Avenue
-
£172k
-
2 Oakbank Avenue
-
£204k
-
4 Oakbank Avenue
-
£190k
-
11 Oakbank Avenue
-
£174k
-

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