5 ST GEORGES TERRACE
Recent sale
£145k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
4 St Georges Terrace, Whitehaven, CA28 6DF
UPRN:100110321620End Terrace House4 bedsBuilt before 1900
FreeholdCouncil Tax: Band BEPC: E (49)
Data freshness:Listing· freshListing: fresh, refreshed 3d ago (2026-10-23T04:00:04.135672+00:00)EPC· 5mo agoEPC: stale, refreshed 5mo ago (2026-05-20T10:58:39.129138+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 2 days ago
£160,000
Estimated value
Range: £152k - £169k|Last sold: £165k (2018-10-12)
Estimate of £160k for this end terrace house. 378 sales in CA28 in the last 12 months; median £150k.
Estimate confidence
High confidence
Value History
Current estimate
£160k
£152k - £169k - High confidence
Annualised (CAGR)
-1.04%
Over the full window
Peak estimate
£209k
Jun 2024
From peak
-23.44%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CA28 district (quarterly)index YoY +10.40%
Growth by window
3m
-0.62%
6m
-5.33%
12m
-8.05%
24m
-21.18%
60m
-14.44%
Rental Market
Estimated rent (pcm)
£900
/ month
Gross yield
6.75%
Rent ÷ asking price
Net yield
4.67%
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
£165k
2018-10-12
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£159,950
- SDLT standard£699
- SDLT BTL surcharge (5%)£7,998
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£170,747
Funding
- Deposit (25%)£39,988
- Mortgage (75% LTV)£119,962
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£50,784
Monthly Returns
- Monthly Rent (estimate)£900
- Mortgage Payment (IO)-£525
- Management (10%)-£90
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£185
Capital Returns
- 5yr Property Value£176,425
- 5yr Capital Gain (1.98% pa, historical)+£16,475
- 5yr Cumulative Rent (net)+£44,576
- Less mortgage interest-£31,500
- 5yr Total Return+£29,550
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 | £163,117 | £43,155 | +£2,220 | +£5,387 | 10.6% |
| Year 2 | £166,347 | £46,384 | +£4,632 | +£11,029 | 21.7% |
| Year 3 | £169,640 | £49,678 | +£7,240 | +£16,931 | 33.3% |
| Year 4 | £172,999 | £53,037 | +£10,049 | +£23,099 | 45.5% |
| Year 5 | £176,425 | £56,462 | +£13,076 | +£29,550 | 58.2% |
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 (£50,784).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
4 ST GEORGES TERRACE
Recent sale
£165k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
4 ST GEORGES TERRACE
Recent sale
£175k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
3 ST GEORGES TERRACE
Recent sale
£164k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,840
Median earnings (local authority)
Signal
1,415
Population
Signal
3.9%
Households Deprived