12A Kirkland, Kendal, LA9 5AB

UPRN:100110760692Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: -EPC: D (58)

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

HP Score

/ 100

Strong

Verdict

6 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

19 of 21 sources

Sale Estimate

£104,000

£83k - £124kLow

Estimate

£104k

Range

£83k – £124k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

4.12%

Verdict

Derived from HomePortfolio scores

12A Kirkland earns an AVOID rating with HP Score 77/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (85/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 55Bike 55

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics2.9/40
gross yield 5.4% on contractual rent (listing-disclosed tenancy); contractual 1150/mo far above the 550/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1150/mo (tenanted)· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -279/mo, -39% 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 4 Nov 2026
Risk & liquidity9.3/15
395 sales/12mo in area; valuation range width 39%
- property_intelligencetransactions_12mo

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£160,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: -£159/mo
Cash on cash: -3.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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

listing_factscontractual rent 1150/mo (tenanted)Rental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
contractual rent 1150/mo (tenanted)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£104,000

Rent Estimate (pcm)£550

Gross Yield4.12%

1y Growth-

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
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA9 5AB

Approval Rate

-12mo

Development

low

2026/1980/FPA
Variation of conditions 2 (approved plans), 3 (materials) and 4 (swift bricks) attached to planning permission 2024/2376/FPA (Alterations to existing dwelling including new first floor side extension to replace existing conservatory. Proposed front porch. Erection of steel framed car port. Change of roofing material. Change of cladding material to some of the external walls)
Pending
2026/1974/DISC
Application for the approval of details reserved by condition 3 (Level 1 Survey) attached to Listed Building Consent 2026/0989/LBC
Pending
2026/1955/HOU
Replacement ground floor bay and first floor windows with double glazed sliding sash timber windows. Repair and replacement works to the non-original second floor dormer windows
Pending

View Planning Timeline

Ownership

Corporate Ownership67.8%
Overseas OwnershipNo
Lease Term Remaining0 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied49%

Age Distribution

0-15 20%16-64 65%65+ 15%

View Area Profile

Schools Nearby

Ghyllside Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
South Lakes Academy
0.3 mi
Good
Kendal College
0.4 mi
-
Vicarage Park CofE Primary School
0.4 mi
Good

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Old Bakery, 6 Kirkland
-
£81k
-
2 Kirkland
-
£3k
-
The Old Bakery, 6 Kirkland
-
£93k
-
The Old Bakery, 6 Kirkland
-
£67k
-

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