East Cottage, Stannersburn, Hexham, NE48 1DD

UPRN:10000843551Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: C (73)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

East Cottage, Stannersburn, Hexham, NE48 1DD

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£348,000

£330k - £365kHigh

Estimate

£348k

Range

£330k – £365k

Rent Estimate (pcm)

£850

£750 - £950

Monthly

£850

Yield

2.91%

Verdict

Derived from HomePortfolio scores

East Cottage earns an INVESTIGATE rating with HP Score 50/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (11/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

50/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

11/ 100

Low

Transit & Bike

Transit 5Bike 16

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.6% (HIGH), sold-comps -58.4%, £/sqft -58.4%] → measured edge +0.00pp 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 10000843551· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 16.5%· as of 30 Oct 2026
Rental economics0/40
gross yield 2.9%; range width penalty ×0.73
- valuation_snapshotsrent estimate 850/mo (range 750-950)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -982/mo, -116% 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: 1 price cut(s), 176 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 & liquidity14.6/15
47 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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£850/mo

Evidenced range £750-£950

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£593/mo
Cash on cash: -6.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.72 - below 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 10000843551Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 16.5%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 750-950)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 low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 750-950)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 176 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£348,000

Rent Estimate (pcm)£850

Gross Yield2.91%

1y Growth+10.1%

3y Growth-1.3%

5y Growth-0.5%

10y Growth+2.0%

Last Sold Price£287,000 (2023-11-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2NE48 1DD

Approval Rate

50%12mo

Development

low

26NP0043
Approval of details reserved by conditions no. 3 (Landscape and Ecological Management Plan) and no. 4 (Biodiversity Gain Plan) - of planning permission 26NP0021 - Proposed construction of a stable block, along with associated yard, retaining wall, surface water drainage and landscaping
Approved
26NP0042
Variation of Condition no. 2 (approved plans) of planning permission 23NP0041 - Erection of 1 no. principal residence dwelling house (as amended)
Rejected
26NP0021
Proposed construction of a stable block, along with associated yard, retaining wall, surface water drainage and landscaping
Approved

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-11-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density2 /km²

Owner Occupied67%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Greenhaugh Primary School
4.5 mi
Good
Kielder Primary School and Nursery
7.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bellingham Primary School
7.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bellingham Middle School and Sports College
7.8 mi
Good

1 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

West View
-
£220k
-
Burnside House
-
£85k
-
East Cottage
-
£287k
-
Spring Cottage
-
£181k
-

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