Semi-Detached

26 TOMLIN AVENUE

WHITEHAVEN, CUMBERLAND, CA28 8BP

£160,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA28 8BP

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Meadow Road at Whinlatter Road	0.1 miles
Shop	Premier	0.1 miles
University	UCLan Westlakes Campus	1.0 miles
Train station	Corkickle	1.0 miles
Hospital	Workington Community Hospital	8.0 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Bedrooms

Bathrooms

Floor area

84 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£160,000 Jan 2026

Price per m²

£1,905/m²

Local average

£170,156 (55 sales)

Street crime

74 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 13/10/2025

Expiry date: 12/10/2035

Current heating cost: £952/year

Potential heating cost: £718/year

Est. upgrade cost to C: £17,700

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Cavity wall insulation (£900 - £1,500)
Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	28/01/2026	£160,000	Semi-detached	—	£161,320 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£160,000
listed	14/10/2025	£165,000
sold	01/01/2015	£107,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
9 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP	£99,000	01/10/2025	Semi-detached
27 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP	£95,000	17/01/2025	Semi-detached
17 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP	£133,000	09/08/2024	Semi-detached
2 GRISEDALE CLOSE, WHITEHAVEN, CUMBERLAND, CA28 8DF	£140,000	21/12/2023	Semi-detached
64 KIRKSTONE ROAD, WHITEHAVEN, CUMBERLAND, CA28 8HA	£113,000	10/11/2023	Semi-detached
64 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX	£150,000	02/11/2023	Semi-detached
23 HONISTER ROAD, WHITEHAVEN, CUMBERLAND, CA28 8HS	£115,000	26/10/2023	Semi-detached
35 MEADOW ROAD, WHITEHAVEN, CUMBERLAND, CA28 8ES	£160,000	20/10/2023	Semi-detached
37 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX	£100,000	08/09/2023	Semi-detached
11 STEEPLE CLOSE, WHITEHAVEN, CUMBERLAND, CA28 8EN	£140,000	18/04/2023	Semi-detached
74 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX	£145,000	24/03/2023	Semi-detached
56 WHINLATTER ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DG	£145,000	11/11/2022	Semi-detached
4 GRISEDALE CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DF	£94,000	04/11/2022	Semi-detached
31 HOLLINS CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8EU	£132,000	01/11/2022	Semi-detached
17 WHINLATTER ROAD, WHITEHAVEN, CUMBERLAND, CA28 8DE	£105,000	07/10/2022	Semi-detached
16 HOLLINS CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8EX	£249,950	28/09/2022	Semi-detached
56 KIRKSTONE ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8HA	£170,000	26/09/2022	Semi-detached
11 GRISEDALE CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DF	£155,000	26/08/2022	Semi-detached
42 WHINLATTER ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DE	£119,000	26/08/2022	Semi-detached
1 HERDUS ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8BY	£102,000	12/08/2022	Semi-detached

Area average: £133,098 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth 18.2%

10y growth 40.2%

House Price Index (HM Land Registry — official index, not sold-price averages): North West. Series: Semi-detached. As of April 2026.

1y (index) 7.5%

5y (index) 27.6%

10y (index) 61.5%

Rental Range

Estimated market rent for North West. Low = conservative, Realistic = average, Optimistic = best case.

Low £865/mo

Realistic £961/mo

Optimistic £1,057/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for West Cumbria: Apr 2025 – Mar 2026

Rental Comparables

Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Terraced House, Main St, CA28	£750/mo	2	0.75 miles	OpenRent
1 Bed Flat, Tower Mews, CA28	£550/mo	1	0.99 miles	OpenRent

Average rent: £650/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.41%

Max investor price (0.8%) £81,250

Target investor price (1%) £65,000

Gross yield 4.9%

Cost-to-rent ratio 20.5×

Monthly cashflow £-70/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.8%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Street-level crime

Category	Count
Violence and sexual offences	47
Criminal damage and arson	7
Other theft	6
Public order	4
Other crime	3
Burglary	2
Vehicle crime	2
Bicycle theft	1
Drugs	1
Theft from the person	1
Total incidents	74

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Valley Primary School and Nursery	Primary	0.1 miles	Good — 26 Mar 2015
St Gregory and St Patrick's Catholic Infant School	Primary	0.7 miles	Good — 7 May 2024
Hensingham Primary School	Primary	0.7 miles	Good — 9 Jun 2024
The Whitehaven Academy	Secondary	1.0 miles	Good — 12 Jul 2023
Jericho Primary School	Primary	1.0 miles	Good — 14 Jan 2024

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 26 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP

## Property details

- Slug: `92e2395` (address key hash: `92e239583317bcc4ffec5595b950f681b9cd211c`)
- Postcode: CA28 8BP
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 84 m²
- EPC rating: D
- Year built: England and Wales: 1930-1949
- Last sold: £160,000 Jan 2026
- Price per m²: £1,905/m²
- Local average: £170,156 (55 sales)
- Street crime: 74 incidents within 1 mile (May 2026)

## Latest sale

- Price: £160,000
- Date: 2026-01-28
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 12/10/2035
- **Current heating cost:** £952/year
- **Est. upgrade cost to C:** £17,700

### Recommendations
- B (£900 - £1,500)
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/7835-7520-5509-0527-5292)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-28 | £160,000 | Semi-detached | — | £161,320 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-f29e-d8ea-e063-4704a8c0bf7d) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 26 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP | £160,000 | 28/01/2026 | Semi-detached |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [87300078](http://87.117.209.195:8080/listings/dc8f47c)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £160,000 |
| listed | 2025-10-14 | £165,000 |
| sold | 2015-01-01 | £107,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 9 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP | £99,000 | 01/10/2025 | Semi-detached |
| 27 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP | £95,000 | 17/01/2025 | Semi-detached |
| 17 TOMLIN AVENUE, WHITEHAVEN, CUMBERLAND, CA28 8BP | £133,000 | 09/08/2024 | Semi-detached |
| 2 GRISEDALE CLOSE, WHITEHAVEN, CUMBERLAND, CA28 8DF | £140,000 | 21/12/2023 | Semi-detached |
| 64 KIRKSTONE ROAD, WHITEHAVEN, CUMBERLAND, CA28 8HA | £113,000 | 10/11/2023 | Semi-detached |
| 64 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX | £150,000 | 02/11/2023 | Semi-detached |
| 23 HONISTER ROAD, WHITEHAVEN, CUMBERLAND, CA28 8HS | £115,000 | 26/10/2023 | Semi-detached |
| 35 MEADOW ROAD, WHITEHAVEN, CUMBERLAND, CA28 8ES | £160,000 | 20/10/2023 | Semi-detached |
| 37 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX | £100,000 | 08/09/2023 | Semi-detached |
| 11 STEEPLE CLOSE, WHITEHAVEN, CUMBERLAND, CA28 8EN | £140,000 | 18/04/2023 | Semi-detached |
| 74 HERDUS ROAD, WHITEHAVEN, CUMBERLAND, CA28 8BX | £145,000 | 24/03/2023 | Semi-detached |
| 56 WHINLATTER ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DG | £145,000 | 11/11/2022 | Semi-detached |
| 4 GRISEDALE CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DF | £94,000 | 04/11/2022 | Semi-detached |
| 31 HOLLINS CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8EU | £132,000 | 01/11/2022 | Semi-detached |
| 17 WHINLATTER ROAD, WHITEHAVEN, CUMBERLAND, CA28 8DE | £105,000 | 07/10/2022 | Semi-detached |
| 16 HOLLINS CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8EX | £249,950 | 28/09/2022 | Semi-detached |
| 56 KIRKSTONE ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8HA | £170,000 | 26/09/2022 | Semi-detached |
| 11 GRISEDALE CLOSE, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DF | £155,000 | 26/08/2022 | Semi-detached |
| 42 WHINLATTER ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8DE | £119,000 | 26/08/2022 | Semi-detached |
| 1 HERDUS ROAD, WHITEHAVEN, COPELAND, CUMBRIA, CA28 8BY | £102,000 | 12/08/2022 | Semi-detached |

**Area average:** £133,098 (20 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 18.2%
- **10y growth:** 40.2%

## House Price Index (HM Land Registry)

*Official index for North West; Semi-detached series; as of April 2026.*

- **1y growth (index):** 7.5%
- **5y growth (index):** 27.6%
- **10y growth (index):** 61.5%

## Rental Range

*ONS Price Index of Private Rents (North West). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £865/mo
- **Realistic:** £961/mo
- **Optimistic:** £1,057/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Cumbria (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Main St, CA28 | £750/mo | 2 | 0.75 miles | OpenRent |
| 1 Bed Flat, Tower Mews, CA28 | £550/mo | 1 | 0.99 miles | OpenRent |

**Average rent: £650/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.41% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £650/mo).*

- **Gross yield:** 4.9%
- **Cost-to-rent:** 20.5×
- **Monthly cashflow:** £-70/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.8%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 47 |
| Criminal damage and arson | 7 |
| Other theft | 6 |
| Public order | 4 |
| Other crime | 3 |
| Burglary | 2 |
| Vehicle crime | 2 |
| Bicycle theft | 1 |
| Drugs | 1 |
| Theft from the person | 1 |
| **Total incidents** | **74** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Valley Primary School and Nursery | Primary | 0.1 miles | Good — 26 Mar 2015 |
| St Gregory and St Patrick's Catholic Infant School | Primary | 0.7 miles | Good — 7 May 2024 |
| Hensingham Primary School | Primary | 0.7 miles | Good — 9 Jun 2024 |
| The Whitehaven Academy | Secondary | 1.0 miles | Good — 12 Jul 2023 |
| Jericho Primary School | Primary | 1.0 miles | Good — 14 Jan 2024 |