56 Mill Road, Swanland, North Ferriby, HU14 3PL

UPRN:100050104014Bungalow Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 5mo ago

56 Mill Road, Swanland, North Ferriby, HU14 3PL

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£228,000

£216k - £239kHigh

Estimate

£228k

Range

£216k – £239k

Rent Estimate (pcm)

£750

£700 - £850

Monthly

£750

Yield

4.29%

Verdict

Derived from HomePortfolio scores

56 Mill Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 42/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (22/100). 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 NationsMarket 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

64/ 100

Mixed

Investment Score

42/ 100

Mixed

Crime Score

9/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 3Bike 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 +7.9% (HIGH), sold-comps +12.9%, £/sqft +12.9%] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100050104014· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.9%· as of 12 Oct 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.80
- valuation_snapshotsrent estimate 750/mo (range 700-850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -465/mo, -62% 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), 157 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 & 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

£157,500£241,500

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£210,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: -£190/mo
Cash on cash: -3.4%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - 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 100050104014Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.9%Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-850)Rental economics · as of 9 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 750/mo (range 700-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 157 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£228,000

Rent Estimate (pcm)£750

Gross Yield4.29%

1y Growth-

3y Growth-0.9%

5y Growth-0.6%

10y Growth+1.7%

Last Sold Price£159,000 (2015-12-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HU14 3PL

Approval Rate

-12mo

Development

low

26/02620/PLF
Construction of hip to gable roof extension to side to facilitate dormer extensions to front and rear with associated alterations and installation of 2 no. roof lights
Pending
26/30439/CONDET
Submission of details required by Condition 14 (location of all underground services, including drainage) of planning permission 26/00641/PLF
Approved
26/02317/PLF
Erection of 1.6m high walls and railings with 1.8 - 2m high piers to existing vehicular accesses with associated alterations
Approved

View Planning Timeline

Ownership

Corporate Ownership74.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-12-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,881

Population Density345 /km²

Owner Occupied92%

Age Distribution

0-15 17%16-64 53%65+ 30%

View Area Profile

Schools Nearby

Swanland Primary School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
North Ferriby Church of England Voluntary Controlled Primary School
1.1 mi
GoodConcerns
South Hunsley School and Sixth Form College
1.5 mi
Good
Welton Primary School
2.2 mi
GoodConcerns

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

View All Schools

Comparables

View All

52 Mill Road
-
£195k
-
52 Mill Road
-
£198k
-
48 Mill Road
-
£420k
-
2 Mill Road
-
£1.07M
-

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