3 St Hildas Place, Loftus, Saltburn-by-the-Sea, TS13 4JY

UPRN:100110086751Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

3 St Hildas Place, Loftus, Saltburn-by-the-Sea, TS13 4JY

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£118,000

£106k - £129kMedium

Estimate

£118k

Range

£106k – £129k

Rent Estimate (pcm)

£500

£450 - £500

Monthly

£500

Yield

3.75%

Verdict

Derived from HomePortfolio scores

3 St Hildas Place earns an INVESTIGATE rating with HP Score 65/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (56/100). 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

65/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

55/ 100

Elevated

Walkability

56/ 100

Moderate

Transit & Bike

Transit 12Bike 32

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 edge-0.6/15
claims [AVM -35.6% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100110086751· as of 13 Oct 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 500/mo (range 450-500)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -438/mo, -88% 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), 80 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 & liquidity12.9/15
104 sales/12mo in area; valuation range width 19%
- 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£500/mo

Evidenced range £450-£500

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: -£194/mo
Cash on cash: -4.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.93 - 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 100110086751Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 500/mo (range 450-500)Rental economics · as of 13 Oct 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 500/mo (range 450-500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 80 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£118,000

Rent Estimate (pcm)£500

Gross Yield3.75%

1y Growth-

3y Growth+0.9%

5y Growth-1.1%

10y Growth+1.9%

Last Sold Price£78,000 (2008-06-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TS13 4JY

Approval Rate

-12mo

Development

low

R/2026/0674/FF
Demolition of existing single storey side extension; replace with two storey side extension
Pending
R/2026/0599/CA
Change of use from supported living accommodation (Use Class C3(b)) to supported residential accommodation (Use Class C2)
Pending
R/2026/0561/CD
Discharge of conditions 3 (windows and door details) and 4 (stall risers and lamps) of planning approval R/2024/0375/CA for replacement timber shopfront, replacement windows to upvc at first floor, removal of paint to brickwork, stabilisation works to box bay and stone doorstep and external lanterns...
Conditions

View Planning Timeline

Ownership

Corporate Ownership85%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-06-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,630

Population Density2,293 /km²

Owner Occupied63%

Age Distribution

0-15 18%16-64 61%65+ 21%

View Area Profile

Schools Nearby

Hummersea Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Handale Primary School
0.4 mi
Inspected as Handale Primary School (URN 131645) on 11 Feb 2020
Saint Joseph's Catholic Primary School, A Catholic Voluntary Academy
0.5 mi
Inspected as Saint Joseph's Roman Catholic Primary School (URN 111680) on 27 Mar 2014
Whitecliffe Academy
1.1 mi
Inspected as Whitecliffe Primary School (URN 111654) on 10 Nov 2011

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

View All Schools

Comparables

View All

5 St Hildas Place
-
£130k
-
4 St Hildas Place
-
£110k
-
2 St Hildas Place
-
£98k
-
2 St Hildas Place
-
£83k
-

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