2 Church Lane, Kirk Ella, Hull, HU10 7TG

UPRN:100052013591Detached Bungalow3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: D (64)

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

2 Church Lane, Kirk Ella, Hull, HU10 7TG

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

£365,000

£328k - £401kMedium

Estimate

£365k

Range

£328k – £401k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

3.95%

Verdict

Derived from HomePortfolio scores

2 Church Lane earns an INVESTIGATE rating with HP Score 72/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (62/100). 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

72/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

62/ 100

Moderate

Transit & Bike

Transit 15Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 +4.4% (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 100052013591· as of 9 Nov 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.77
- valuation_snapshotsrent estimate 1150/mo (range 1000-1250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -757/mo, -66% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 285 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 & liquidity12.8/15
271 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

£262,000£401,500

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£349,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,000-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £113,450
Net cash flow: -£382/mo
Cash on cash: -4.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.98 - 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 100052013591Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1150/mo (range 1000-1250)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1150/mo (range 1000-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 285 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£365,000

Rent Estimate (pcm)£1,150

Gross Yield3.95%

1y Growth+11.9%

3y Growth+0.0%

5y Growth-0.4%

10y Growth+2.4%

Last Sold Price£320,000 (2023-10-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

4HU10 7TG

Approval Rate

100%12mo

Development

low

26/02926/TDD
TPO - LAND RIGHT OF KIRK ELLA MANSIONS, CHURCH LANE, KIRKELLA - 1994 (REF 241) A1 - Fell 1no. Ash tree as it snapped and crashed into the house, with remedial works to 1no. Sycamore tree as multiple limbs were ripped away when the ash fell
Approved
26/02868/PLF
Erection of single storey extension to west to replace existing outbuilding, new porch to south, alterations to existing windows including removal of bay windows, rebuilding of roof with associated increase in roof height and chimney stacks, application of render to all elevations, creation of new vehicular access and construction of new fence
Pending
26/02743/VAR
Variation of Condition 20 (Approved Plans) of planning application 25/02722/PLF (Erection of 'self build' dwelling following demolition of existing, alterations to widen existing access, erection of front boundary wall with piers and entrance gates and associated works) to allow for removal of second floor balcony, glazing bar detail to windows and doors and roof glazing to front, replacement front door with single oversized door, increase in projection of first floor balcony and enlargement of existing ground floor sitting/dining area to south west elevation
Pending

View Planning Timeline

Ownership

Corporate Ownership76.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-10-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,881

Population Density1,744 /km²

Owner Occupied87%

Age Distribution

0-15 21%16-64 55%65+ 24%

View Area Profile

Schools Nearby

Kirk Ella St Andrew's Community Primary School
0.3 mi
Good
Wolfreton School and Sixth Form College
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Willerby Carr Lane Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tranby
1.0 mi
Inspected by ISI

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

View All Schools

Comparables

View All

2 Church Lane
-
£320k
-
2 Church Lane
-
£220k
-
10 Church Lane
-
£1.60M
-
7 Church Lane
-
£300k
-

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