20 Charterhouse Street, Hartlepool, TS25 5RW

UPRN:100110006039Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (61)

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

20 Charterhouse Street, Hartlepool, TS25 5RW

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£46,000

£37k - £56kLow

Estimate

£46k

Range

£37k – £56k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

11.20%

Verdict

Derived from HomePortfolio scores

20 Charterhouse Street earns an INVESTIGATE rating with HP Score 58/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (82/100). 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

58/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

81/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 37Bike 51

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics36.6/40
gross yield 11.2%; range width penalty ×0.91; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 350/mo (range 350-400)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 21 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -31/mo, -9% 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 21 Oct 2026
Risk & liquidity9/15
443 sales/12mo in area; valuation range width 41%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£37,500

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £10,675
Net cash flow: £116/mo
Cash on cash: 13.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.77 - 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_snapshotsrent estimate 350/mo (range 350-400)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 21 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 21 Oct 2026
portal_listingsprice_changes + first_published_date

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 350/mo (range 350-400)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£46,000

Rent Estimate (pcm)£350

Gross Yield11.20%

1y Growth+10.0%

3y Growth+2.8%

5y Growth+4.6%

10y Growth+1.4%

Last Sold Price£39,999 (2024-06-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TS25 5RW

Approval Rate

-12mo

Development

low

P/2026/0013
Prior notification for the demolition of Craft, Design and Technology building
Pending
H/2026/0267
Erection of a two storey side extension, erection of a single storey canopy to front. Alterations to fenestration, alterations to boundary treatments and the installation of hardstanding to front, side, and rear (demolition of existing side outrigger)
Pending
H/2026/0259
Lawful development certificate for the proposed change of use from a Class C3 dwelling to a Class C4 small HMO for upto 6 occupiers.
Approved

View Planning Timeline

Ownership

Corporate Ownership77.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-06-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,830

Population Density-

Owner Occupied46%

Age Distribution

0-15 17%16-64 66%65+ 17%

View Area Profile

Schools Nearby

St Cuthbert's Catholic Primary School, Hartlepool
0.3 mi
Good
Eldon Grove Academy
0.4 mi
Good
Kingsley Primary School
0.4 mi
-
St Aidan's Church of England Memorial Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

26 Charterhouse Street
-
£57k
-
18 Charterhouse Street
-
£19k
-
12 Charterhouse Street
-
£106k
-
12 Charterhouse Street
-
£35k
-

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