Fairhaven Cottage, Mawbray, Maryport, CA15 6QS

UPRN:10014288763TerracedBeds -Built before 1900

FreeholdCouncil Tax: Band AEPC: D (64)

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

Fairhaven Cottage, Mawbray, Maryport, CA15 6QS

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£206,000

£165k - £247kLow

Estimate

£206k

Range

£165k – £247k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

8.84%

Verdict

Derived from HomePortfolio scores

Fairhaven Cottage earns an INVESTIGATE rating with HP Score 54/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (8/100). 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

54/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

8/ 100

Low

Transit & Bike

Transit 22Bike 28

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 economics30.3/40
gross yield 8.8%; range width penalty ×0.99
- valuation_snapshotsrent estimate 1400/mo (range 1350-1500)· as of 10 Oct 2026· verify before relying on this
Stress margin7/30
stressed cash flow +97/mo, +7% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.3/15
179 sales/12mo in area; valuation range width 40%
- 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£190,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,350-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £328/mo
Cash on cash: 6.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.18 - 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_snapshotsrent estimate 1400/mo (range 1350-1500)Rental economics · as of 10 Oct 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
rent estimate 1400/mo (range 1350-1500)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£206,000

Rent Estimate (pcm)£1,400

Gross Yield8.84%

1y Growth-

3y Growth+2.5%

5y Growth+4.0%

10y Growth+2.5%

Last Sold Price£135,000 (2007-03-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CA15 6QS

Approval Rate

100%12mo

Development

low

HOU/2026/0053
Proposed rear single storey lounge extension, renew flat roof covering and replacement windows
Approved
FUL/2026/0042
Demolition of part building and erection of replacement agricultural building
Approved
WTPO/2025/0031
A mature Sycamore tree located at the entrance and in the boundary wall of Bally Nook which provides access to Bally Nook and Eden cottage. The tree has three stems, each stem of the tree has rotted and is diseased at the site of the previously removed branches on each of the three main stems and at the base of the main tree trunk. It is a safety risk and the size of the tree is liable to cause damage to nearby power cables, homes and walls. I that the tree is to be felled completely.
Rejected

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