4 LOWER CHURCH STREET
Recent sale
£149k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
6 Lower Church Street, Maryport, CA15 6JE
UPRN:10023917632Flat/Maisonette2 bedsBuilt 2007-2011
LeaseholdCouncil Tax: Band AEPC: C (80)
Data freshness:Listing· freshListing: fresh, refreshed yesterday (2026-10-23T04:00:04.135672+00:00)Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:54:35.639514+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-07-01T02:04:50.057738+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 refreshCouncil Tax· 4mo agoCouncil Tax: stale, refreshed 4mo ago (2026-07-03T07:41:16.386402+00:00)
Valuation estimateUpdated yesterday
£110,000
Estimated value
Range: £105k - £116k|Last sold: £91k (2012-04-20)
Estimate of £110k for this flat/maisonette. 179 sales in CA15 in the last 12 months; median £150k.
Estimate confidence
High confidence
Value History
Current estimate
£110k
£105k - £116k - High confidence
Annualised (CAGR)
+4.35%
Over the full window
Peak estimate
£115k
Sep 2026
From peak
-4.35%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CA15 district (quarterly)index YoY +28.20%
Growth by window
3m
+0.00%
6m
+12.24%
12m
+17.02%
24m
+10.00%
60m
+22.22%
Rental Market
Estimated rent (pcm)
£750
/ month
Gross yield
9.00%
Rent ÷ asking price
Net yield
5.55%
Assumes ~31% running costs (not this property's)
Vacancy trend
12-month change
Market Metrics
Median Area Price
£150k
CA15 sales, last 12 months
12m Price Growth
-
CA15 median, Land Registry
Days on Market
70d
CA15 average
Sales & Yield
3 metricsTransactions / 12m
179
CA15 sales
Area Gross Yield
-
CA15 medians
Last Sold
£91k
2012-04-20
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£100,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£5,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£107,100
Funding
- Deposit (25%)£25,000
- Mortgage (75% LTV)£75,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£32,100
Monthly Returns
- Monthly Rent (estimate)£750
- Mortgage Payment (IO)-£328
- Management (10%)-£75
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow, before lease costs (not stated)+£247
Capital Returns
- 5yr Property Value£123,194
- 5yr Capital Gain (4.26% pa, historical)+£23,194
- 5yr Cumulative Rent (net, before lease costs)+£36,156
- Less mortgage interest-£19,680
- 5yr Total Return (before lease costs)+£39,670
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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £104,260 | £29,260 | +£2,964 | +£7,224 | 22.5% |
| Year 2 | £108,701 | £33,701 | +£6,096 | +£14,797 | 46.1% |
| Year 3 | £113,332 | £38,332 | +£9,388 | +£22,720 | 70.8% |
| Year 4 | £118,160 | £43,160 | +£12,842 | +£31,003 | 96.6% |
| Year 5 | £123,194 | £48,194 | +£16,476 | +£39,670 | 123.6% |
Modelled on the live asking price. Capital growth 4.26% a year is the CA15 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£32,100).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
7 LOWER CHURCH STREET
Recent sale
£90k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
3 LOWER CHURCH STREET
Recent sale
£120k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
1 LOWER CHURCH STREET
Recent sale
£120k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,840
Median earnings (local authority)
Signal
1,440
Population
Signal
3.3%
Households Deprived