2 Churchill Place, Maryport, CA15 6AU

UPRN:10000884706Flat/Maisonette3 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band AEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£81,000

£64k - £97kLow

Estimate

£81k

Range

£64k – £97k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

6.60%

Verdict

Derived from HomePortfolio scores

2 Churchill Place earns an INVESTIGATE rating with HP Score 68/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (73/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

45/ 100

Elevated

Walkability

73/ 100

High

Transit & Bike

Transit 2Bike 29

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics10.7/40
gross yield 6.6%; range width penalty ×0.84
- valuation_snapshotsrent estimate 550/mo (range 500-600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -148/mo, -27% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 23 Oct 2026· verify before relying on this
Risk & liquidity9.1/15
179 sales/12mo in area; valuation range width 41%
- property_intelligencetransactions_12mo

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£100,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £43/mo
Cash on cash: 1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - 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_snapshotsrent estimate 550/mo (range 500-600)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 23 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 23 Oct 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 550/mo (range 500-600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£81,000

Rent Estimate (pcm)£550

Gross Yield6.60%

1y Growth-

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
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA15 6AU

Approval Rate

-12mo

Development

low

HOU/2026/0141
Retrospective householder application for the permanent removal of a small chimney stack
Pending
NMA/2026/0009
Non-material amendemnet to approved application FUL/2019/0179 to amend the approved layout to provide open pedestrian/service passage between Units 1 & 2
Pending
HOU/2026/0116
Rebuilding of rear garage wall and new single storey link room
Approved

View Planning Timeline

Ownership

Corporate Ownership78.7%
Overseas OwnershipNo
Lease Term Remaining84 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,840

Population Density-

Owner Occupied53%

Age Distribution

0-15 12%16-64 60%65+ 28%

View Area Profile

Schools Nearby

Maryport CofE Primary School
0.4 mi
Good
Grasslot Infant School
0.6 mi
Good
Netherhall School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Netherton Infant School
0.7 mi
Good

0 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Churchill Place
-
£32k
-

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