17 Finchlay Court, Middlesbrough, TS5 8EL

UPRN:10007595110Detached House6 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: B (83)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

17 Finchlay Court, Middlesbrough, TS5 8EL

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£373,000

£355k - £392kHigh

Estimate

£373k

Range

£355k – £392k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

6.56%

Verdict

Derived from HomePortfolio scores

17 Finchlay Court earns an INVESTIGATE rating with HP Score 69/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (54/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

40/ 100

Elevated

Walkability

54/ 100

Moderate

Transit & Bike

Transit 17Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 -0.5% (HIGH), sold-comps -1.6%, £/sqft -1.5%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10007595110· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 3.5%· as of 20 Oct 2026
Rental economics11.9/40
gross yield 6.6%; range width penalty ×0.96
- valuation_snapshotsrent estimate 2050/mo (range 1950-2200)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -205/mo, -10% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 187 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 5 Nov 2026
Risk & liquidity14.7/15
445 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

£281,000£431,000

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£375,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,950-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: £154/mo
Cash on cash: 1.5%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.62 - 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 10007595110Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 3.5%Valuation edge · as of 20 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1950-2200)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 2050/mo (range 1950-2200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 187 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. 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£373,000

Rent Estimate (pcm)£2,050

Gross Yield6.56%

1y Growth-1.5%

3y Growth+5.6%

5y Growth+3.9%

10y Growth+2.0%

Last Sold Price£260,000 (2004-02-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TS5 8EL

Approval Rate

-12mo

Development

low

26/0437/FUL
Single storey extension to rear and alterations to windows to side elevation
Pending
26/0404/VAR
Variation of conditon 2 (Approved Plans) on planning application M/FP/1009/12/P
Pending
26/0379/FUL
Installation of 2no. gates to rear yard
Conditions

View Planning Timeline

Ownership

Corporate Ownership84.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-02-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,253

Population Density1,193 /km²

Owner Occupied85%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Discovery Special Academy
0.3 mi
Good
Viewley Hill Academy
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Gerard's RC Primary School
0.7 mi
Good
Hemlington Hall Academy
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

14 Finchlay Court
-
£260k
-
26 Finchlay Court
-
£355k
-
23 Finchlay Court
-
£240k
-
37 Finchlay Court
-
£235k
-

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