1F Island Road, Barrow-in-Furness, LA14 2QN

UPRN:36006263Purpose Built Flat3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: F (27)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

1F Island Road, Barrow-in-Furness, LA14 2QN

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£29,000

£23k - £34kLow

Estimate

£29k

Range

£23k – £34k

Rent Estimate (pcm)

£200

£150 - £200

Monthly

£200

Yield

7.74%

Verdict

Derived from HomePortfolio scores

1F Island Road earns an INVESTIGATE rating with HP Score 65/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (65/100). 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)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.ukHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

42/ 100

Elevated

Walkability

65/ 100

Moderate

Transit & Bike

Transit 61Bike 48

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 economics40/40
gross yield 10.1% on contractual rent (listing-disclosed tenancy); contractual 390/mo far above the 200/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 390/mo (tenanted)· as of 19 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -70/mo, -27% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 19 Oct 2026· verify before relying on this
Risk & liquidity9.6/15
560 sales/12mo in area; valuation range width 38%
- 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£31,000

At the asking price

Monthly rent£200/mo

Evidenced range £150-£200

Interest rate5.4%

Loan to value75%

Cash required: £9,050
Net cash flow: £34/mo
Cash on cash: 4.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.91 - 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

listing_factscontractual rent 390/mo (tenanted)Rental economics · as of 19 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 19 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 19 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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
contractual rent 390/mo (tenanted)

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£29,000

Rent Estimate (pcm)£200

Gross Yield7.74%

1y Growth-

3y Growth+4.2%

5y Growth+1.6%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA14 2QN

Approval Rate

-12mo

Development

low

B18/2026/0420
Alterations to the fenestration of the existing listed office building, including replacement and alteration of windows to the front and rear elevations
Pending
B18/2026/0336
Removal of existing external boiler flue and replacement with new boiler flue arrangement.
Pending
B23/2026/0329
Listed Building Consent for repair, refurbishment and alteration including the replacement of selected windows to front and rear elevations with timber-framed slimline double glazed windows, formation of new opening between no 65 and 67, changes to doors, removal of internal partitions and layout changes, removal of staircase enclosure and associated internal works
Pending

View Planning Timeline

Ownership

Corporate Ownership82.3%
Overseas OwnershipNo
Lease Term Remaining84 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density1,227 /km²

Owner Occupied27%

Age Distribution

0-15 16%16-64 73%65+ 11%

View Area Profile

Schools Nearby

Barrow Island Community Primary School
0.1 mi
Good
St George's CofE School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
South Walney Junior School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
South Walney Infant and Nursery School
0.7 mi
Good

0 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 Island Road
-
£105k
-
29 Island Road
-
£69k
-
13B Island Road
-
£35k
-
15 Island Road
-
£83k
-

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