Orchard Lodge, Melton Grange, Gibson Lane South, Melton, North Ferriby, HU14 3FP

UPRN:10002827787Detached House5 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band GEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Orchard Lodge, Melton Grange, Gibson Lane South, Melton, North Ferriby, HU14 3FP

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£351,000

£334k - £369kHigh

Estimate

£351k

Range

£334k – £369k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

2.29%

Verdict

Derived from HomePortfolio scores

Orchard Lodge earns an INVESTIGATE rating with HP Score 65/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (26/100). 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 listingsMarket estimates (third-party AVM)Defra 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

65/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

26/ 100

Low

Transit & Bike

Transit 4Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 9 Nov 2026

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

Valuation edge0.9/15
claims [AVM -79.5% (HIGH), sold-comps +7.1%, £/sqft +7.1%] → measured edge +0.17pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10002827787· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 7.4%· as of 30 Oct 2026
Rental economics0/40
gross yield 2.3%; range width penalty ×0.78
- valuation_snapshotsrent estimate 1200/mo (range 1050-1300)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,906/mo, -159% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 83 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 9 Nov 2026
Risk & liquidity14.6/15
90 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

£472,500£724,500

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£630,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,050-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £211,800
Net cash flow: -£1,295/mo
Cash on cash: -7.3%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.56 - 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 10002827787Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 7.4%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1200/mo (range 1050-1300)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 1200/mo (range 1050-1300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 83 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£351,000

Rent Estimate (pcm)£1,200

Gross Yield2.29%

1y Growth-

3y Growth-0.9%

5y Growth-0.6%

10y Growth+1.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HU14 3FP

Approval Rate

-12mo

Development

low

26/30503/CONDET
Submission of details required by Conditions 8 (hard and soft landscape works), 12 (surface water) and 13 (foul water) of planning permission 23/02122/PLF
Pending
26/02355/TDD
NORTH FERRIBY CONSERVATION AREA - Crown reduce to monolith 1no. Beech tree as a large cavity extending halfway into the trunk has been identified and it has been droping branches
Approved
26/30409/CONDET
Submission of details required by Condition 20 (noise assessment) of planning permission 25/00818/STVARE
Rejected

View Planning Timeline

Ownership

Corporate Ownership74.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,881

Population Density221 /km²

Owner Occupied79%

Age Distribution

0-15 22%16-64 62%65+ 16%

View Area Profile

Schools Nearby

South Hunsley School and Sixth Form College
0.4 mi
Good
Welton Primary School
1.1 mi
GoodConcerns
North Ferriby Church of England Voluntary Controlled Primary School
1.1 mi
GoodConcerns
Hunsley Primary
1.6 mi
Good

6 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Melton Grange Gibson Lane South
-
£325k
-

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