The Orchards, Peppin Lane, Fotherby, Louth, LN11 0UW

UPRN:100032077656Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band BEPC: E (45)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

The Orchards, Peppin Lane, Fotherby, Louth, LN11 0UW

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£714,000

£643k - £785kMedium

Estimate

£714k

Range

£643k – £785k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

3.69%

Verdict

Derived from HomePortfolio scores

The Orchards earns an INVESTIGATE rating with HP Score 52/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (0/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

52/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 6Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge2.5/15
claims [AVM +2.0% (MEDIUM), sold-comps +11.3%, £/sqft +11.3%] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100032077656· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 4 comps, dispersion 16.8%· as of 27 Oct 2026
Rental economics0/40
gross yield 3.7%; range width penalty ×0.73
- valuation_snapshotsrent estimate 2150/mo (range 1900-2400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,503/mo, -70% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 517 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 2 Nov 2026
Risk & liquidity12.9/15
324 sales/12mo in area; valuation range width 20%
- 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

£525,000£805,000

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£700,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,900-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£874/mo
Cash on cash: -4.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - 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 100032077656Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 4 comps, dispersion 16.8%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1900-2400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 2150/mo (range 1900-2400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 517 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£714,000

Rent Estimate (pcm)£2,150

Gross Yield3.69%

1y Growth-

3y Growth+0.3%

5y Growth+1.4%

10y Growth+4.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

4LN11 0UW

Approval Rate

100%12mo

Development

low

01086/26/FUL
Planning Permission - Alterations to existing conservatory to provide replacement roof and wall frames.
Approved
00980/26/LBA
Listed Building Consent - Extensions and internal and external alterations to existing dwelling to provide additional living accommodation and partial demolition of existing dwelling.
Pending
00979/26/FUL
Planning Permission - Extensions and alterations to existing dwelling, which is a listed building to provide additional living accommodation.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,705

Population Density27 /km²

Owner Occupied72%

Age Distribution

0-15 11%16-64 53%65+ 36%

View Area Profile

Schools Nearby

Greenwich House School
2.4 mi
Good
Lift Utterby
2.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Lacey Gardens Junior Academy
2.8 mi
Good
Eastfield Infants and Nursery Academy
2.8 mi
Good

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

View All Schools

Comparables

View All

Deva Peppin Lane
-
£267k
-
Clematis Cottage Peppin Lane
-
£295k
-
The Oaks Peppin Lane
-
£675k
-
Ashleigh House Peppin Lane
-
£513k
-

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