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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
Updated 2 days ago
INVESTIGATEEvidence: 18 of 21 sources

4 St Georges Terrace earns an INVESTIGATE rating with HP Score 82/100.

Mixed signals. Review drivers and risks before proceeding.

Not held: company ownership, lease register and EV chargers.

Analysis

4 St Georges Terrace earns an INVESTIGATE rating with HP Score 82/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (80/100). 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.

Investment Summary

Asking Price
£160kLive listing
Estimated Value
£160kRange £152k – £169k
Gross Yield
6.75%Rent ÷ asking price
5y Growth
+2.0%Area, per year over 5 years
Net Yield
4.67%Assumes ~31% running costs (not this property's)

What Sets This Verdict

The rules the band is set from, each with the value it read.

  • HP Score 82/100

    75 or more meets the BUY threshold, unless a flood or lease rule below caps it.

    Source: HomePortfolio HP Score

  • Flood risk not assessed

    A missing flood rating is not a clean one: it holds this verdict at INVESTIGATE instead of BUY.

    Source: Environment Agency flood risk (none held for this property)

  • Freehold

    Not held on a lease, so the short-lease rule does not apply.

    Source: Tenure on the property record

Watch Before Offering

From the verdict's checks on flood, lease, crime and investment score. Not a full risk review.

  • Flood risk not assessed

    Not assessed

    Check the Environment Agency long-term flood map before offering.

    Source: Environment Agency flood risk (none held for this property)

Top Opportunities

Not assessed

Upside levers such as refurbishment, extension or a rent uplift are not assessed for this property yet. No engine identifies them, and HomePortfolio does not guess them.

Key Sources Cited

The sources this verdict reads.

EPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS