37B Westgate, Louth, LN11 9YQ

UPRN:100032079439Converted Flat1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (76)

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

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£92,000

£83k - £101kMedium

Estimate

£92k

Range

£83k – £101k

Rent Estimate (pcm)

£400

£350 - £450

Monthly

£400

Yield

7.38%

Verdict

Derived from HomePortfolio scores

37B Westgate earns an INVESTIGATE rating with HP Score 84/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (96/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)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

84/ 100

Strong

Investment Score

73/ 100

High

Crime Score

20/ 100

Moderate

Walkability

96/ 100

Excellent

Transit & Bike

Transit 10Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: the estimate sits 29% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +29.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100032079439· as of 9 Oct 2026
Rental economics13.4/40
gross yield 7.4%; range width penalty ×0.70; the estimate this rent rides on sits 29% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 400/mo (range 350-450)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 29% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -110/mo, -28% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 65 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 & 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

£49,000£75,000

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£65,000

At the asking price

Monthly rent£400/mo

Evidenced range £350-£450

Interest rate5.4%

Loan to value75%

Cash required: £20,800
Net cash flow: £58/mo
Cash on cash: 3.3%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.82 - clears 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 100032079439Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 400/mo (range 350-450)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 29% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 400/mo (range 350-450)
Rental economics needs verification before you rely on it
sale estimate 29% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£92,000

Rent Estimate (pcm)£400

Gross Yield7.38%

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
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LN11 9YQ

Approval Rate

-12mo

Development

low

01882/26/192
Section 192 application to determine the lawfulness of the removal of a staircase.
Pending
01821/26/192
Section 192 application to determine whether the Installation of external air to air heat pump to the rear off the property to be lawful.
Pending
01799/26/DPC
Discharge of condition 3 (brick panel) imposed on 00927/26/LBA.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.6%
Overseas OwnershipNo
Lease Term Remaining119 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,705

Population Density-

Owner Occupied76%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

King Edward VI Grammar School
0.2 mi
Good
Kidgate Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Greenwich House School
0.6 mi
Good
St Michael's Church of England School, Louth
0.6 mi
Good

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

View All Schools

Comparables

View All

29 Westgate
-
£225k
-
29 Westgate
-
£198k
-
37 Westgate
-
£62k
-
25 Westgate
-
£650k
-

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