8 Ash Gardens, Hackthorpe, Penrith, CA10 2FU

UPRN:10070547768Detached BungalowBeds -Built 2022

FreeholdCouncil Tax: Band CEPC: B (88)

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

8 Ash Gardens, Hackthorpe, Penrith, CA10 2FU

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

14 of 21 sources

Sale Estimate

£314,000

£251k - £377kLow

Estimate

£314k

Range

£251k – £377k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

3.26%

Verdict

Derived from HomePortfolio scores

8 Ash Gardens earns an INVESTIGATE rating with HP Score 76/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. 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 listingsMarket 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£350,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£524/mo
Cash on cash: -5.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£314,000

Rent Estimate (pcm)£950

Gross Yield3.26%

1y Growth+1.3%

3y Growth-1.9%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price£310,000 (2023-08-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA10 2FU

Approval Rate

-12mo

Development

low

7/2026/3069
Replacement of all windows and doors
Rejected
7/2026/3070
Replacement of all windows and doors
Rejected
2026/0380/PAPP
Prior Notification under Schedule 2, Part 11, Class B for demolition of a horsewalker.
Approved

View Planning Timeline

Ownership

Corporate Ownership87%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-08-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density10 /km²

Owner Occupied56%

Age Distribution

0-15 13%16-64 61%65+ 26%

View Area Profile

Schools Nearby

Lowther Endowed School
0.3 mi
Good
Clifton Primary School
1.8 mi
Good
Yanwath Primary School
2.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hunter Hall School
3.7 mi
Inspected by ISI

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Ash Gardens
-
£306k
-
3 Ash Gardens
-
£325k
-
13 Ash Gardens
-
£285k
-
9 Ash Gardens
-
£285k
-

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