13 BORROWDALE ROAD
Recent sale
£66k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
32 Borrowdale Road, Whitehaven, CA28 9RP
UPRN:100110313949Semi-Detached House3 bedsBuilt 1950-1966
FreeholdCouncil Tax: Band AEPC: D (60)
Data freshness:Listing· freshListing: fresh, refreshed 2d ago (2026-10-24T04:00:05.961683+00:00)EPC· 2mo agoEPC: ageing, refreshed 2mo ago (2026-08-21T09:37:30.003872+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
£169,000
Estimated value
Range: £161k - £177k|Last sold: -- (-)
Estimate of £169k for this semi-detached house. 378 sales in CA28 in the last 12 months; median £150k.
Estimate confidence
High confidence
Value History
Current estimate
£169k
£161k - £177k - High confidence
Annualised (CAGR)
+13.69%
Over the full window
Peak estimate
£169k
Oct 2026
From peak
+0.00%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CA28 district (quarterly)index YoY +10.40%
Growth by window
3m
+67.33%
6m
+69.00%
12m
+62.50%
24m
+69.00%
60m
+108.64%
Rental Market
Estimated rent (pcm)
£800
/ month
Gross yield
6.00%
Rent ÷ asking price
Net yield
4.15%
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£160,000
- SDLT standard£700
- SDLT BTL surcharge (5%)£8,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£170,800
Funding
- Deposit (25%)£40,000
- Mortgage (75% LTV)£120,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£50,800
Monthly Returns
- Monthly Rent (estimate)£800
- Mortgage Payment (IO)-£525
- Management (10%)-£80
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£95
Capital Returns
- 5yr Property Value£176,480
- 5yr Capital Gain (1.98% pa, historical)+£16,480
- 5yr Cumulative Rent (net)+£38,955
- Less mortgage interest-£31,500
- 5yr Total Return+£23,935
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 | £163,168 | £43,168 | +£1,140 | +£4,308 | 8.5% |
| Year 2 | £166,399 | £46,399 | +£2,448 | +£8,847 | 17.4% |
| Year 3 | £169,693 | £49,693 | +£3,940 | +£13,633 | 26.8% |
| Year 4 | £173,053 | £53,053 | +£5,607 | +£18,661 | 36.7% |
| Year 5 | £176,480 | £56,480 | +£7,455 | +£23,935 | 47.1% |
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 (£50,800).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
18 BORROWDALE ROAD
Recent sale
£77k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
8 BORROWDALE ROAD
Recent sale
£85k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
3 BORROWDALE ROAD
Recent sale
£92k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,840
Median earnings (local authority)
Signal
1,453
Population
Signal
7.9%
Households Deprived