28, HOLLY BANK, WHITEHAVEN, CA28 6SA - £99,450

Based on the January 2025 Price Paid Data (released on 3rd March 2025), the December 2024 House Price Index (released on 19th February 2025), and the January 2025 Energy Performance of Buildings Data (released on 27th February 2025). Sources

28 HOLLY BANK is a very small semi-detached house of 52m², built sometime between 1996 and 2002, which could now be worth an estimated £141,395. It was last sold for £99,450 in September 2006, which was around 19% below the average September 2006 semi-detached price in the Cumberland local authority area. The most recent EPC inspection was September 2022, where the current energy rating was C, and the potential energy rating was B.

28 HOLLY BANK Sold Prices

Land registry data shows three sales for 28 HOLLY BANK since 1^st January 1995. The below table shows the price paid for the three sales, along with the average semi-detached price in the Cumberland local authority area for the corresponding sale date. Two of the three 28 HOLLY BANK sales were for below the average price, whilst one was for above the average price. The average price is sourced from the Office for National Statistics' House Price Index (HPI).

Date	Price	HPI Price	Variation from HPI
2006 15 SEP	£99,450	£122,077	19% below HPI
1999 30 NOV	£38,000	£46,637	19% below HPI
1996 23 FEB	£42,750	£39,382	9% above HPI

28 HOLLY BANK Price Paid vs. HPI Average

The below graph shows the average semi-detached house price in the Cumberland local authority area over time, sourced from the HPI. The three 28 HOLLY BANK sales between February 1996 and September 2006 have been plotted on the graph. A line has been extrapolated to show what the value of the property might have been over time, following each sale, had it maintained the same margin above or below the HPI (as a percentage). For example, the November 1999 sale was for 19% below the HPI. So the extrapolation line tracks at 19% below the HPI over time, until the September 2006 sale, which was also at 19% below the HPI.

What might 28 HOLLY BANK be worth now?

28 HOLLY BANK might now be worth an estimated £141,395.

This is based on house price inflation of 42.2%, between September 2006 and December 2024, for semi-detached houses, in the Cumberland local authority area, as calculated by the Office for National Statistics and published in their UK House Price Index (HPI).

The 42.2% inflationary increase is applied to the most recent sale price for 28 HOLLY BANK of £99,450 on 15th September 2006. For the value to have increased from £99,450 to £141,395 over the seventeen years and nine months to December 2024, the following assumptions must hold true:

• The value of 28 HOLLY BANK has moved in line with the HPI for semi-detached houses in the Cumberland local authority area.
• The September 2006 sale price of £99,450 represented a fair market value for the property.
• The size, condition, and specification of 28 HOLLY BANK has not materially changed since September 2006.

How Large is 28 HOLLY BANK?

28 HOLLY BANK is 52m² according to the EPC inspection conducted in September 2022. This puts it in the smallest 10% of semi-detached houses houses in Whitehaven, based on EPC data. The below chart shows the distribution of semi-detached houses houses by size in Whitehaven, and where 28 HOLLY BANK lies on this distribution: 1% of semi-detached houses houses are smaller than 28 HOLLY BANK, and 99% of houses are larger. Note that EPC data is not available for all properties in Whitehaven.

28 HOLLY BANK: Plot and Title Map

28 HOLLY BANK sits on a plot of roughly 0.049 of an acre, or 198m². The below map shows the location of 28 HOLLY BANK, an approximate outline of the building(s), and the indicative extent of the property. The plot extent is a Land Registry INSPIRE Index Polygon, and it is important to note that a title may include more than one polygon, whereas only one polygon is shown on the map (the polygon which intersects with the position of 28 HOLLY BANK). The full extent of the land contained in any registered title can only be identified from the individual title plan. The maps on this page should not be relied upon to establish the extent of a title.

Where is 28 HOLLY BANK?

28 HOLLY BANK is located in WHITEHAVEN, in the CA28 postcode district. The below map shows the position of No. 28 on HOLLY BANK.