12 Salthouse Gardens, Barrow-in-Furness, LA13 9TU

UPRN:36024322End Terrace House1 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band AEPC: D (65)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021

12 Salthouse Gardens, Barrow-in-Furness, LA13 9TU

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£112,000

£107k - £118kHigh

Estimate

£112k

Range

£107k – £118k

Rent Estimate (pcm)

£800

£750 - £800

Monthly

£800

Yield

8.73%

Verdict

Derived from HomePortfolio scores

12 Salthouse Gardens earns an INVESTIGATE rating with HP Score 76/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (68/100). 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

76/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

68/ 100

Moderate

Transit & Bike

Transit 2Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +1.8% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 36024322· as of 12 Oct 2026
Rental economics29.8/40
gross yield 8.7%; range width penalty ×1.00
- valuation_snapshotsrent estimate 800/mo (range 750-800)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -6/mo, -1% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 188 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity14.7/15
262 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£82,500£126,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£110,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£800

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £183/mo
Cash on cash: 6.4%
Score at this price: 44

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.15 - 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

valuation_snapshotsestimate for 36024322Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 750-800)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 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
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 188 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£112,000

Rent Estimate (pcm)£800

Gross Yield8.73%

1y Growth-

3y Growth+5.0%

5y Growth+0.6%

10y Growth+2.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA13 9TU

Approval Rate

-12mo

Development

low

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
B21/2026/0431
Installation of an electric vehicle (EV) charge point on the front external wall of the dwelling, as part of Westmorland and Furness Councils EV Pavement Channel Trial.
Pending
BLHC/2026/0442
Prior Approval (Larger Homes Extension) for the removal of Conservatory and erection single story extension to the rear of property (Length from rear wall of the original house 5.0 metres, height to the eaves 2.41 metres and height to highest point of the extension 3.16 metres)
Pending

View Planning Timeline

Ownership

Corporate Ownership86.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied71%

Age Distribution

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

View Area Profile

Schools Nearby

Cambridge Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Moorfield Learning Centre
0.2 mi
Good
Parkside Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sacred Heart Catholic Primary School, Barrow
0.5 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

8 Salthouse Gardens
-
£130k
-
9 Salthouse Gardens
-
£89k
-
10 Salthouse Gardens
-
£94k
-
8 Salthouse Gardens
-
£100k
-

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