2 James Street, Whickham, Newcastle upon Tyne, NE16 4AW

UPRN:100000072060End Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (65)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

2 James Street, Whickham, Newcastle upon Tyne, NE16 4AW

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£147,000

£140k - £154kHigh

Estimate

£147k

Range

£140k – £154k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

7.85%

Verdict

Derived from HomePortfolio scores

2 James Street earns an INVESTIGATE rating with HP Score 81/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (67/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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)HM Land Registry sales matched to addressDefra 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

67/ 100

Moderate

Transit & Bike

Transit 24Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge2.5/15
claims [AVM +11.6% (HIGH), sold-comps +6.5%, £/sqft +6.7%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100000072060· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 19.1%· as of 30 Oct 2026
Rental economics22/40
gross yield 7.8%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -54/mo, -6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity14.7/15
260 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£97,500£149,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£130,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £150/mo
Cash on cash: 4.4%
Score at this price: 39

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.94 - 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_snapshotsestimate for 100000072060Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 19.1%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 49 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£147,000

Rent Estimate (pcm)£850

Gross Yield7.85%

1y Growth-0.7%

3y Growth-3.9%

5y Growth-2.3%

10y Growth+0.8%

Last Sold Price£78,000 (2003-04-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NE16 4AW

Approval Rate

-12mo

Development

low

DC/26/00835/HNMA
Non material amendment to reduce the size of the existing extension and the omission of attached single storey store, alteration to the fenestration front and rear.
Pending
DC/26/00816/HHA
Remove conservatory and replace with a Rear/Side Single Storey Extension (orangery with lantern)
Pending
DC/26/00809/FUL
Variation and removal of conditions 1, 3, 4, 13 and 14 for Planning Application DC/23/00437/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership69.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-04-01
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£29,494

Population Density1,504 /km²

Owner Occupied72%

Age Distribution

0-15 11%16-64 50%65+ 39%

View Area Profile

Schools Nearby

Front Street Community Primary School
0.2 mi
Outstanding
Whickham School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Fellside Community Primary School
0.4 mi
Good
Swalwell Primary School
0.5 mi
Good

3 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

9 James Street
-
£120k
-
13 James Street
-
£138k
-
14 James Street
-
£125k
-
6 James Street
-
£100k
-

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