2 Officials Terrace, Malton, Lanchester, Durham, DH7 0TH

UPRN:100110384708Mid Terrace House2 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band CEPC: D (63)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

2 Officials Terrace, Malton, Lanchester, Durham, DH7 0TH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£258,000

£245k - £271kHigh

Estimate

£258k

Range

£245k – £271k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

11.40%

Verdict

Derived from HomePortfolio scores

2 Officials Terrace earns an INVESTIGATE rating with HP Score 61/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 2Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 22% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +22.5% (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 100110384708· as of 12 Oct 2026
Rental economics39.6/40
gross yield 11.4%; range width penalty ×0.99; the estimate this rent rides on sits 22% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1900/mo (range 1800-2000)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin22.2/30
stressed cash flow +423/mo, +22% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 54 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 & liquidity14.6/15
481 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 sensitivityScores 80+ up to £185,000

£150,000£230,000

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£200,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,800-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £640/mo
Cash on cash: 12.2%
Score at this price: 76

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.81 - 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 100110384708Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1900/mo (range 1800-2000)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 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

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 1900/mo (range 1800-2000)
Rental economics needs verification before you rely on it
sale estimate 22% above the ask on the same snapshot - verify the rent describes this home

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. Set your walk-away price before viewing - above £185,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£258,000

Rent Estimate (pcm)£1,900

Gross Yield11.40%

1y Growth-

3y Growth+1.9%

5y Growth+1.8%

10y Growth+1.6%

Last Sold Price£195,000 (2018-02-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DH7 0TH

Approval Rate

-12mo

Development

low

DM/26/01947/NMA
Non material amendment of DM/26/00376/FPA relating to replacing two first floor windows with Juliette balconies to the side and rear
Approved
DM/26/01684/FPA
Demolition of stable buildings, erection of 98 dwellings (Use Class C3) and a retail unit (Use Class E), and associated landscaping, drainage and infrastructure.
Pending
DM/26/00376/FPA
Replace conservatory with single storey extension and erection of front entrance porch
Approved

View Planning Timeline

Ownership

Corporate Ownership79.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-02-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density-

Owner Occupied83%

Age Distribution

0-15 15%16-64 54%65+ 31%

View Area Profile

Schools Nearby

Lanchester Endowed Parochial Primary School
1.3 mi
Good
Burnhope Primary School
1.3 mi
Inspected as Burnhope Primary School (URN 114041) on 15 Jan 2019
All Saints' Catholic Primary School, Lanchester
1.4 mi
Inspected as All Saints' Catholic Voluntary Aided Primary School (URN 114255) on 7 Mar 2017
St Bede's Catholic School and Sixth Form College, Lanchester
1.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Malton Lodge Officials Terrace
-
£950k
-
Malton Lodge Officials Terrace
-
£775k
-
1 Officials Terrace
-
£275k
-
2 Officials Terrace
-
£195k
-

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