8 VICTORIA ROAD
Recent sale
£152k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
16 Victoria Road, Whitehaven, CA28 6HZ
UPRN:100110322585Semi-Detached House4 bedsBuilt before 1900
FreeholdCouncil Tax: Band CEPC: D (65)
Data freshness:Listing· freshListing: fresh, refreshed 2d ago (2026-10-24T04:00:05.961683+00:00)EPC· 2mo agoEPC: ageing, refreshed 2mo ago (2026-08-21T10:33:36.544905+00:00)Risk· 2y agoRisk: stale, refreshed 2y ago (2024-12-31T00:00:00+00:00)Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Valuation estimateUpdated yesterday
£323,000
Estimated value
Range: £290k - £355k|Last sold: £232k (2014-04-11)
Estimate of £323k for this semi-detached house. 378 sales in CA28 in the last 12 months; median £150k.
Estimate confidence
Medium confidence
Value History
Current estimate
£323k
£290k - £355k - Medium confidence
Annualised (CAGR)
+3.61%
Over the full window
Peak estimate
£329k
Jul 2026
From peak
-1.82%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CA28 district (quarterly)index YoY +10.40%
Growth by window
3m
-1.82%
6m
+0.31%
12m
+2.22%
24m
+4.53%
60m
+15.77%
Rental Market
Estimated rent (pcm)
£1,500
/ month
Gross yield
5.54%
Rent ÷ asking price
Net yield
3.84%
Assumes ~31% running costs (not this property's)
Vacancy trend
12-month change
Market Metrics
Median Area Price
£150k
CA28 sales, last 12 months
12m Price Growth
-
CA28 median, Land Registry
Days on Market
73d
CA28 average
Sales & Yield
3 metricsTransactions / 12m
378
CA28 sales
Area Gross Yield
-
CA28 medians
Last Sold
£232k
2014-04-11
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£325,000
- SDLT standard£6,250
- SDLT BTL surcharge (5%)£16,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£349,600
Funding
- Deposit (25%)£81,250
- Mortgage (75% LTV)£243,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£105,850
Monthly Returns
- Monthly Rent (estimate)£1,500
- Mortgage Payment (IO)-£1,066
- Management (10%)-£150
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£184
Capital Returns
- 5yr Property Value£358,475
- 5yr Capital Gain (1.98% pa, historical)+£33,475
- 5yr Cumulative Rent (net)+£78,313
- Less mortgage interest-£63,960
- 5yr Total Return+£47,827
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £331,435 | £87,685 | +£2,208 | +£8,643 | 8.2% |
| Year 2 | £337,997 | £94,247 | +£4,740 | +£17,737 | 16.8% |
| Year 3 | £344,690 | £100,940 | +£7,603 | +£27,293 | 25.8% |
| Year 4 | £351,515 | £107,765 | +£10,805 | +£37,320 | 35.3% |
| Year 5 | £358,475 | £114,725 | +£14,353 | +£47,827 | 45.2% |
Modelled on the live asking price. Capital growth 1.98% a year is the CA28 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. ROI is on cash required (£105,850).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
6 VICTORIA ROAD
Recent sale
£160k
Sale price
£/sqft
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Rent pcm
-
Yield
-
10 VICTORIA ROAD
Recent sale
£210k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
10 VICTORIA ROAD
Recent sale
£230k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,840
Median earnings (local authority)
Signal
1,415
Population
Signal
3.9%
Households Deprived