45 Garborough Close, Crosby, Maryport, CA15 6RY

UPRN:100110223179Semi-Detached Property5 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: D (64)

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

45 Garborough Close, Crosby, Maryport, CA15 6RY

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£219,000

£208k - £230kHigh

Estimate

£219k

Range

£208k – £230k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

5.73%

Verdict

Derived from HomePortfolio scores

45 Garborough Close earns an INVESTIGATE rating with HP Score 62/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (11/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

11/ 100

Low

Transit & Bike

Transit 24Bike 4

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£220,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: -£16/mo
Cash on cash: -0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£219,000

Rent Estimate (pcm)£1,050

Gross Yield5.73%

1y Growth-11.2%

3y Growth+3.8%

5y Growth+4.3%

10y Growth+2.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CA15 6RY

Approval Rate

-12mo

Development

low

FUL/2026/0126
Alterations to the roof of the dormer bungalow to form a 2 storey dwelling with rooms in the roof and external balcony, incorporating extended residential curtilage to the side and rear and the erection of a detached double garage with new drive access
Pending
HOU/2026/0089
Proposed Two Storey Rear Extension & Internal Alterations
Approved
LBC/2026/0029
This will comprise the installation of: • 10m fibre cable following an existing Open Reach cable, with a width of 23mm on the external part of the building. • Ingress point/ entry point is 10 mm in depth and 235 mm in width.
Approved

View Planning Timeline

Ownership

Corporate Ownership78.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density153 /km²

Owner Occupied75%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Crosscanonby St John's CofE School
0.1 mi
GoodConcerns
Dearham Primary School
1.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Netherhall School
1.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Maryport CofE Primary School
2.0 mi
Good

0 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

59 Garborough Close
-
£185k
-
9 Garborough Close
-
£200k
-
89 Garborough Close
-
£235k
-
33 Garborough Close
-
£245k
-

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