8 SNAEFELL TERRACE
Recent sale
£160k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
18 Snaefell Terrace, Whitehaven, CA28 9QF
UPRN:10000894466Mid Terrace House3 bedsBuilt 1950-1966
FreeholdCouncil Tax: Band AEPC: D (67)
Data freshness:Listing· freshListing: fresh, refreshed 2d ago (2026-10-24T04:00:05.961683+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-07-01T02:04:50.057738+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 refreshCouncil Tax· 4mo agoCouncil Tax: stale, refreshed 4mo ago (2026-07-03T07:41:16.386402+00:00)
Valuation estimateUpdated yesterday
£119,000
Estimated value
Range: £113k - £125k|Last sold: -- (-)
Estimate of £119k for this mid terrace house. 378 sales in CA28 in the last 12 months; median £150k.
Estimate confidence
High confidence
Value History
Current estimate
£119k
£113k - £125k - High confidence
Annualised (CAGR)
+2.62%
Over the full window
Peak estimate
£130k
Aug 2026
From peak
-8.46%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CA28 district (quarterly)index YoY +10.40%
Growth by window
3m
-7.75%
6m
-6.30%
12m
-1.65%
24m
+2.59%
60m
+12.26%
Rental Market
Estimated rent (pcm)
£650
/ month
Gross yield
6.50%
Rent ÷ asking price
Net yield
4.49%
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
-
-
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£120,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£6,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£128,100
Funding
- Deposit (25%)£30,000
- Mortgage (75% LTV)£90,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£38,100
Monthly Returns
- Monthly Rent (estimate)£650
- Mortgage Payment (IO)-£394
- Management (10%)-£65
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£91
Capital Returns
- 5yr Property Value£132,360
- 5yr Capital Gain (1.98% pa, historical)+£12,360
- 5yr Cumulative Rent (net)+£30,536
- Less mortgage interest-£23,640
- 5yr Total Return+£19,255
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 | £122,376 | £32,376 | +£1,092 | +£3,468 | 9.1% |
| Year 2 | £124,799 | £34,799 | +£2,328 | +£7,127 | 18.7% |
| Year 3 | £127,270 | £37,270 | +£3,699 | +£10,969 | 28.8% |
| Year 4 | £129,790 | £39,790 | +£5,221 | +£15,011 | 39.4% |
| Year 5 | £132,360 | £42,360 | +£6,896 | +£19,255 | 50.5% |
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 (£38,100).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
7 SNAEFELL TERRACE
Recent sale
£120k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
39 SNAEFELL TERRACE
Recent sale
£130k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
10 SNAEFELL TERRACE
Recent sale
£80k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,840
Median earnings (local authority)
Signal
1,506
Population
Signal
3.2%
Households Deprived