8 Wharf Street, Newcastle, ST5 1JZ

UPRN:100031744372Mid Terrace HouseBeds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£123,000

£111k - £136kMedium

Estimate

£123k

Range

£111k – £136k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

9.70%

Verdict

Derived from HomePortfolio scores

8 Wharf Street earns an INVESTIGATE rating with HP Score 72/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (85/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

53/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 34Bike 44

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£99,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £31,000
Net cash flow: £220/mo
Cash on cash: 8.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.39 - clears 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£123,000

Rent Estimate (pcm)£800

Gross Yield9.70%

1y Growth-

3y Growth+3.9%

5y Growth+4.3%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST5 1JZ

Approval Rate

-12mo

Development

low

24/00795/CN05
Application for approval of a Traffic Management Scheme as required by condition 5 of Planning permission 24/00795/FUL.
Pending
24/00795/CN16
Application for approval of the precise details (samples) of all facing materials as required by condition 16 of Planning permission 24/00795/FUL.
Pending
26/00725/PLDLB
Application for certificate of lawfulness of proposed works to a listed building -The installation of one additional electrical socket in the existing basement to power a standalone chest freezer for the ground-floor grocery shop. The work is minor, reversible, and confined to the modern basement service area, with no structural alterations and no change to any historic fabric or to the external appearance of the building.
Pending

View Planning Timeline