Roxby Cottage, Gunn Gutter, Staithes, Saltburn-by-the-Sea, TS13 5DD

UPRN:100050464306Bungalow Property3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: G (20)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Roxby Cottage, Gunn Gutter, Staithes, Saltburn-by-the-Sea, TS13 5DD

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£356,000

£320k - £391kMedium

Estimate

£356k

Range

£320k – £391k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

4.70%

Verdict

Derived from HomePortfolio scores

Roxby Cottage earns an INVESTIGATE rating with HP Score 63/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (36/100). 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

63/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

36/ 100

Mixed

Transit & Bike

Transit 23Bike 26

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -3.9% (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 Nov 2026
- valuation_snapshotsestimate for 100050464306· as of 9 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.86
- valuation_snapshotsrent estimate 1450/mo (range 1300-1550)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -625/mo, -43% 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 6 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.9/15
104 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

£277,500£425,500

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£369,950

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £120,783
Net cash flow: -£245/mo
Cash on cash: -2.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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 100050464306Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1450/mo (range 1300-1550)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1450/mo (range 1300-1550)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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. 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£356,000

Rent Estimate (pcm)£1,450

Gross Yield4.70%

1y Growth-

3y Growth+0.9%

5y Growth-1.1%

10y Growth+1.9%

Last Sold Price£245,000 (2017-03-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2TS13 5DD

Approval Rate

100%12mo

Development

low

HP/2026/00503
construction of summer house (retrospective)
Pending
CVC/2026/00443
verification check of condition one of planning approval NYM/2024/0578
Approved
HP/2026/00425
construction of replacement side extension, dormer window to front elevation together with creation of raised decking in yard and boundary wall to rear
Pending

View Planning Timeline

Ownership

Corporate Ownership85.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-03-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied66%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

Staithes, Seton Community Primary School
0.5 mi
Good
Oakridge Community Primary School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Hummersea Primary School
4.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Saint Joseph's Catholic Primary School, A Catholic Voluntary Academy
4.1 mi
Inspected as Saint Joseph's Roman Catholic Primary School (URN 111680) on 27 Mar 2014

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

View All Schools

Comparables

View All

Corner House Gunn Gutter
-
£210k
-
Church View Gunn Gutter
-
£281k
-
Gun Gutter House Gunn Gutter
-
£203k
-
Bramla Gunn Gutter
-
£200k
-

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