10 Catherine Crescent, Elland, HX5 0JA

UPRN:10006733260Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£168,000

£160k - £177kHigh

Estimate

£168k

Range

£160k – £177k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

4.12%

Verdict

Derived from HomePortfolio scores

10 Catherine Crescent earns an INVESTIGATE rating with HP Score 66/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (85/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 71Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 +4.8% (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 12 Oct 2026
- valuation_snapshotsestimate for 10006733260· as of 12 Oct 2026
Rental economics2.9/40
gross yield 5.4% on contractual rent (listing-disclosed tenancy); contractual 2000/mo far above the 550/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 2000/mo (tenanted)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -279/mo, -39% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 89 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 9 Nov 2026
Risk & liquidity14.6/15
124 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

£120,000£184,000

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£160,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: -£159/mo
Cash on cash: -3.8%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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 10006733260Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 2000/mo (tenanted)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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
contractual rent 2000/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 89 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£168,000

Rent Estimate (pcm)£550

Gross Yield4.12%

1y Growth-

3y Growth+0.5%

5y Growth+2.2%

10y Growth+3.3%

Last Sold Price£115,000 (2018-11-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HX5 0JA

Approval Rate

-12mo

Development

low

20/00331/DISC1
Approval is sought for details relating to Plots 4 and 5 under Conditions 2, 3, 4, 5, 9, 11, 15, 16, 17 and 19 of planning permission 20/00331/FUL. The following are submitted: Condition 2 - Proposed Levels Drawing 26073188-01. Condition 3 - Floor Plans A1292-BOW-A4-ZZ-DR-A-2006 P3 and Elevations A1292-BOW-A4-ZZ-DR-A-3003 P3. Condition 4 - Window Details A1292-BOW-ZZ-ZZ-DR-A-5001 P1. Condition 5 - Access Road Details 26073188-101. Condition 9 - Ground Investigation Report 26-478. Condition 11 - Drainage Condition Report P26-00416-MET-EXT-CTV-RPT-GC-1. Condition 15 - BNG Assessments ER-9331-01 and ER-9331-02, with Metric BM-9331-02. Condition 16 - CEMP: Biodiversity ER-9331-03. Condition 17 - Noise Impact Assessment 1505261 Rev 0. Condition 19 - Arboricultural Method Statement, Arboricultural Survey BA26303 Rev A and Tree Survey and Constraints Plan BA26303TS.
Pending
26/20126/TPO
Reduce trees to allow for ground access (tree preservation order)
Pending
24/00288/DISC2
Submission of information to discharge condition 11 on application 24/00288/FUL
Conditions

View Planning Timeline

Ownership

Corporate Ownership58.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2018-11-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,708

Population Density-

Owner Occupied50%

Age Distribution

0-15 24%16-64 64%65+ 12%

View Area Profile

Schools Nearby

Elland Church of England (Voluntary Aided) Junior, Infant and Nursery School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
William Henry Smith Specialist College
0.3 mi
-
Cross Lane Primary and Nursery School
0.3 mi
Good
Compass Community School North
0.5 mi
Good

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

View All Schools

Comparables

View All

25 Catherine Crescent
-
£115k
-
13 Catherine Crescent
-
£105k
-
20 Catherine Crescent
-
£127k
-
31 Catherine Crescent
-
£90k
-

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