Midtown Cottage, Caldbeck, Wigton, CA7 8EA

UPRN:10012989132End Terrace Property6 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Midtown Cottage, Caldbeck, Wigton, CA7 8EA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£847,000

£763k - £932kMedium

Estimate

£847k

Range

£763k – £932k

Rent Estimate (pcm)

£4,850

£5k - £5k

Monthly

£4,850

Yield

6.85%

Verdict

Derived from HomePortfolio scores

Midtown Cottage earns an INVESTIGATE rating with HP Score 68/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (31/100). 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 SourcesPortal 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

3/ 100

Low

Walkability

31/ 100

Mixed

Transit & Bike

Transit 22Bike 9

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 13 Nov 2026

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

Valuation edge0/15
claims [AVM -0.4% (MEDIUM)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 10 Nov 2026
- valuation_snapshotsestimate for 10012989132· as of 10 Nov 2026
Rental economics13.5/40
gross yield 6.8%; range width penalty ×0.91
- valuation_snapshotsrent estimate 4850/mo (range 4500-5200)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -151/mo, -3% 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 13 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 155 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 13 Nov 2026
Risk & liquidity12.8/15
231 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

£637,500£977,500

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£850,000

At the asking price

Monthly rent£4,850/mo

Evidenced range £4,500-£5,200

Interest rate5.4%

Loan to value75%

Cash required: £288,800
Net cash flow: £489/mo
Cash on cash: 2.0%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - clears 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 10012989132Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 4850/mo (range 4500-5200)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 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 4850/mo (range 4500-5200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 155 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£847,000

Rent Estimate (pcm)£4,850

Gross Yield6.85%

1y Growth-

3y Growth+1.6%

5y Growth+2.6%

10y Growth+4.8%

Last Sold Price£253,000 (2019-07-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA7 8EA

Approval Rate

-12mo

Development

low

2/26/9001
Installation of a new Motor Control Centre (MCC) kiosk at United Utilities’ Caldbeck Wastewater Treatment Works.
Pending
T/2026/0181
Whitebeam tree (marked as oversized tree in notification) - Reduce height to red line shown in submitted picture and crown thin by up to 35%.
Approved
T/2026/0150
Maple tree (marked with blue dot in notification) - Crown reduction by up to 1.5 metres. Crown thin by up to 15%.
Approved

View Planning Timeline

Ownership

Corporate Ownership85.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-07-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density14 /km²

Owner Occupied79%

Age Distribution

0-15 13%16-64 58%65+ 29%

View Area Profile

Schools Nearby

Fellview Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Rosley CofE School
4.9 mi
Good
Raughton Head CofE School & Nursery
4.9 mi
-
Ireby CofE School
5.3 mi
Good

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Midtown Cottage
-
£253k
-
Elm Cottage
-
£107k
-
Monoleys Apartments
-
£155k
-

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