Kirkbank House, Shap, Penrith, CA10 3LD

UPRN:10070525272-Beds -Built before 1900

Tenure: -Council Tax: Band FEPC: E (54)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£301,000

£241k - £362kLow

Estimate

£301k

Range

£241k – £362k

Rent Estimate (pcm)

£900

£800 - £1k

Monthly

£900

Yield

1.55%

Verdict

Derived from HomePortfolio scores

Kirkbank House earns an INVESTIGATE rating with HP Score 70/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (41/100). 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

41/ 100

Mixed

Transit & Bike

Transit 34Bike 14

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 economics0/40
gross yield 1.6%; range width penalty ×0.64
- valuation_snapshotsrent estimate 900/mo (range 800-1050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,401/mo, -267% 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
Risk & liquidity9.2/15
140 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£695,000

At the asking price

Monthly rent£900/mo

Evidenced range £800-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£1,723/mo
Cash on cash: -8.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.38 - 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_snapshotsrent estimate 900/mo (range 800-1050)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 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 900/mo (range 800-1050)

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£301,000

Rent Estimate (pcm)£900

Gross Yield1.55%

1y Growth-

3y Growth-1.9%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CA10 3LD

Approval Rate

100%12mo

Development

low

2026/1984/FPA
Change of use of agricultural buildings to a dwelling, including associate operations.
Pending
2026/1891/TPO
Works to tree(s) subject to TPO No. 14. T2 Sycamore - Remove low lying branches. T3 Sycamore - Remove low lying branches. T4 Sycamore - Remove low lying branches. T5 Sycamore - Remove low lying branches. T6 Sycamore - Remove low lying branches. T7 Ash - Remove low lying branches. T8 Birch - Remove low lying branches. T9 Birch - Remove low lying branches. T10 Birch - Remove low lying branches. T11 Birch - Remove low lying branches.
Pending
2026/1599/PALHE
Prior Notification under schedule 2, part 1, class A for replacement single storey pitched roof extension to rear of property.
Approved

View Planning Timeline

Ownership

Corporate Ownership87%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density12 /km²

Owner Occupied75%

Age Distribution

0-15 14%16-64 60%65+ 26%

View Area Profile

Schools Nearby

Shap Endowed CofE Primary School
0.2 mi
Good
Crosby Ravensworth CofE School
3.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Morland Area CofE Primary School
4.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Lowther Endowed School
5.2 mi
Good

0 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

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Comparables

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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