2A Lumley Street, Barrow-in-Furness, LA14 2EQ

UPRN:36013547Flat/MaisonetteBeds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: E (39)

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

2A Lumley Street, Barrow-in-Furness, LA14 2EQ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£43,000

£35k - £52kLow

Estimate

£43k

Range

£35k – £52k

Rent Estimate (pcm)

£250

£250 - £300

Monthly

£250

Yield

2.86%

Verdict

Derived from HomePortfolio scores

2A Lumley Street earns an INVESTIGATE rating with HP Score 60/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (74/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

62/ 100

Elevated

Walkability

74/ 100

High

Transit & Bike

Transit 57Bike 53

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 economics0/40
gross yield 2.9%; range width penalty ×0.80
- valuation_snapshotsrent estimate 250/mo (range 250-300)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -389/mo, -156% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 23 Oct 2026
Risk & liquidity9.3/15
560 sales/12mo in area; valuation range width 40%
- 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£105,000

At the asking price

Monthly rent£250/mo

Evidenced range £250-£300

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: -£181/mo
Cash on cash: -6.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - below 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

valuation_snapshotsrent estimate 250/mo (range 250-300)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 23 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 23 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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
rent estimate 250/mo (range 250-300)

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£43,000

Rent Estimate (pcm)£250

Gross Yield2.86%

1y Growth-

3y Growth+4.2%

5y Growth+1.6%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA14 2EQ

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
B28/2026/0445
The Electronic Communications Code (Conditions & Restrictions) Regulations 2003 - Part 5 - For the intended installation of a cabinet, box, pillar, pedestal or similar apparatus which does not exceed 1.8 metres in height or where the ground or base area does not exceed 1.5 square metres.
Pending
B20/2026/0414
Change of use of former storage/workshop building (no.67 / 79 School Street) to additional accommodation for adjacent BODA headquarters premises to incorporate associated external alterations, including new entrance to existing building.
Pending

View Planning Timeline

Ownership

Corporate Ownership82.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied43%

Age Distribution

0-15 20%16-64 61%65+ 19%

View Area Profile

Schools Nearby

St George's CofE School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Greengate Junior School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sacred Heart Catholic Primary School, Barrow
0.2 mi
Good
Ramsden Infant School
0.4 mi
Good

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

View All Schools

Comparables

View All

8 Lumley Street
-
£80k
-
16 Lumley Street
-
£80k
-
4 Lumley Street
-
£78k
-
4 Lumley Street
-
£68k
-

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