5 Low Chesters, Swarland, Morpeth, NE65 9ND

UPRN:10001012733Detached Bungalow2 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band DEPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

5 Low Chesters, Swarland, Morpeth, NE65 9ND

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£352,000

£334k - £369kHigh

Estimate

£352k

Range

£334k – £369k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

4.46%

Verdict

Derived from HomePortfolio scores

5 Low Chesters earns an INVESTIGATE rating with HP Score 61/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (4/100). 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 NationsMarket 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

61/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

4/ 100

Low

Transit & Bike

Transit 5Bike 13

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£350,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,150-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£281/mo
Cash on cash: -3.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.10 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£352,000

Rent Estimate (pcm)£1,300

Gross Yield4.46%

1y Growth-

3y Growth+3.9%

5y Growth+2.8%

10y Growth+4.0%

Last Sold Price£245,000 (2004-07-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NE65 9ND

Approval Rate

-12mo

Development

low

26/03814/LBC
Listed Building Consent: Repairs and replacement of existing timberwork around dormer windows, facia, soffit, gutters and downpipes; addition of edge trim to tiles; installation of flue liner within existing chimney.
Pending
26/03668/ELEGDO
To erect a new 11m stout pole under the existing line
Pending
26/03323/FELTPO
Tree Preservation Order Application : T1 (Northern Red Oak) -Fell, T2 (Northern Red Oak) - Crown reduce to approx 14m above ground level, reduce overextended lateral branches, T3 (Scots Pine) - Crown raise to approx 3.5m from ground level
Approved

View Planning Timeline

Ownership

Corporate Ownership75.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-07-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density-

Owner Occupied87%

Age Distribution

0-15 12%16-64 55%65+ 33%

View Area Profile

Schools Nearby

Swarland Primary School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Felton Church of England Primary School
2.4 mi
Good
Shilbottle Primary School
3.9 mi
Inspected as Shilbottle Primary School (URN 122238) on 24 Jan 2023
The Duchess's Community High School
5.2 mi
Inspected as The Duchess's Community High School (URN 122362) on 19 Oct 2021

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Low Chesters
-
£465k
-
1 Low Chesters
-
£465k
-
4 Low Chesters
-
£347k
-
5 Low Chesters
-
£245k
-

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