48 Albert Street, Grange Villa, Chester le Street, DH2 3LR

UPRN:100110354527Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (74)

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

48 Albert Street, Grange Villa, Chester le Street, DH2 3LR

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£51,000

£46k - £56kMedium

Estimate

£51k

Range

£46k – £56k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

7.00%

Verdict

Derived from HomePortfolio scores

48 Albert Street earns an INVESTIGATE rating with HP Score 61/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (20/100). 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

61/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

20/ 100

Low

Transit & Bike

Transit 10Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 -17.6% (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 12 Oct 2026
- valuation_snapshotsestimate for 100110354527· as of 12 Oct 2026
Rental economics32.8/40
gross yield 9.1% on contractual rent (listing-disclosed tenancy); contractual 525/mo far above the 350/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 525/mo (tenanted)· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -49/mo, -11% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 50 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 2 Nov 2026
Risk & liquidity12.9/15
355 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

£45,000£69,000

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£60,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £19,300
Net cash flow: £40/mo
Cash on cash: 2.5%
Score at this price: 45

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.73 - 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 100110354527Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 525/mo (tenanted)Rental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 525/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 50 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£51,000

Rent Estimate (pcm)£350

Gross Yield7.00%

1y Growth+3.7%

3y Growth-0.7%

5y Growth+1.3%

10y Growth+2.0%

Last Sold Price£33,500 (2019-11-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DH2 3LR

Approval Rate

-12mo

Development

low

DM/26/01661/FPA
Installation of micro hydropower scheme (15kW) on north bank of Twizell Burn, including intake, pipeline, turbine shed and buried power cable to Grange Villa Community Enterprise
Pending
DM/26/01630/FPA
Retrospective replacement of existing timber boundary fencing with solid wall with render finish.
Pending
DM/25/00947/DRC
Discharge of Condition 6 (Footway arrangements) pursuant to planning permission DM/24/02152/VOC.
Approved

View Planning Timeline

Ownership

Corporate Ownership81.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-11-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density349 /km²

Owner Occupied55%

Age Distribution

0-15 15%16-64 63%65+ 22%

View Area Profile

Schools Nearby

West Pelton Primary School
0.5 mi
Good
Roseberry Primary and Nursery School
0.6 mi
Good
Beamish Primary School
1.3 mi
Inspected as Beamish Primary School (URN 114021) on 12 Oct 2021
Pelton Community Primary School
1.6 mi
Inspected as Pelton Community Primary School (URN 134078) on 23 Jan 2019

1 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 Albert Street
-
£55k
-
72 Albert Street
-
£25k
-
14 Albert Street
-
£60k
-
82 Albert Street
-
£46k
-

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