5 Holderness Cottages, Arnold Lane West, Arnold, Hull, HU11 5HS

UPRN:100050080396Terrace Property3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: D (68)

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

5 Holderness Cottages, Arnold Lane West, Arnold, Hull, HU11 5HS

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

£155,000

£147k - £162kHigh

Estimate

£155k

Range

£147k – £162k

Rent Estimate (pcm)

£800

£750 - £900

Monthly

£800

Yield

6.40%

Verdict

Derived from HomePortfolio scores

5 Holderness Cottages earns an INVESTIGATE rating with HP Score 66/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (24/100). 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)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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

24/ 100

Low

Transit & Bike

Transit 6Bike 21

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 13 Nov 2026

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

Valuation edge0/15
claims [AVM +3.2% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100050080396· as of 9 Nov 2026
Rental economics9.2/40
gross yield 6.4%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 750-900)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -175/mo, -22% 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 13 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 389 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 13 Nov 2026
Risk & liquidity14.7/15
122 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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £48/mo
Cash on cash: 1.2%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 100050080396Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-900)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 800/mo (range 750-900)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 389 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£155,000

Rent Estimate (pcm)£800

Gross Yield6.40%

1y Growth-

3y Growth+1.8%

5y Growth+2.2%

10y Growth+3.1%

Last Sold Price£34,000 (1998-10-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HU11 5HS

Approval Rate

-12mo

Development

low

26/02413/PLF
Construction of a vehicular access (dropped kerb)
Pending
26/02432/TCA
LONG RISTON CONSERVATION AREA - Fell 9no. Conifer trees forming a section of a hedge as they are overgrowing their location, difficult to manage and are obstructing the footpath
Approved
26/01443/PLF
Conversion of existing garage to provide additional living accommodation, removal of existing garage door and infill with brickwork and install 3 windows
Pending

View Planning Timeline

Ownership

Corporate Ownership81%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1998-10-02
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£31,881

Population Density37 /km²

Owner Occupied80%

Age Distribution

0-15 16%16-64 59%65+ 25%

View Area Profile

Schools Nearby

Riston Church of England Primary Academy
0.2 mi
Good
Skirlaugh Church of England Voluntary Controlled Primary School
1.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Leven Church of England Voluntary Controlled Primary School
2.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sigglesthorne Church of England Primary Academy
3.1 mi
Good

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

View All Schools

Comparables

View All

Holderness Cottages Arnold Lane West
-
£109k
-
Holderness Cottages Arnold Lane West
-
£94k
-
Holderness Cottages Arnold Lane West
-
£110k
-
Holderness Cottages Arnold Lane West
-
£123k
-

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