# 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 |