42 Rose Avenue, Stanley, DH9 7RB

UPRN:100110398151Terrace Property1 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (67)

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

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£48,000

£43k - £52kMedium

Estimate

£48k

Range

£43k – £52k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

9.33%

Verdict

Derived from HomePortfolio scores

42 Rose Avenue earns an INVESTIGATE rating with HP Score 75/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (67/100). 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

75/ 100

Strong

Investment Score

71/ 100

High

Crime Score

27/ 100

Moderate

Walkability

67/ 100

Moderate

Transit & Bike

Transit 17Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 2 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +6.2% (MEDIUM), sold-comps +8.2%, £/sqft +7.9%] → measured edge +0.50pp 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110398151· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%· as of 5 Nov 2026
Rental economics40/40
gross yield 12.1% on contractual rent (listing-disclosed tenancy); contractual 500/mo far above the 350/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 500/mo (tenanted)· as of 2 Nov 2026· verify before relying on this
Stress margin3.2/30
stressed cash flow +15/mo, +3% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 56 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 & liquidity13.1/15
423 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

£34,000£51,500

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£45,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £14,800
Net cash flow: £90/mo
Cash on cash: 7.3%
Score at this price: 59

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.30 - 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 100110398151Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%Valuation edge · as of 5 Nov 2026
listing_factscontractual rent 500/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

Risks

What could kill this deal

Rental economics needs verification before you rely on it
contractual rent 500/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 56 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 →flood, subsidence, crime, environment - the full domain

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. 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.
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£48,000

Rent Estimate (pcm)£350

Gross Yield9.33%

1y Growth+60.0%

3y Growth+5.6%

5y Growth+4.6%

10y Growth+2.9%

Last Sold Price£30,000 (2024-07-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DH9 7RB

Approval Rate

-12mo

Development

low

DM/26/02598/FPA
Change of use of first-floor office accommodation to 6-bed House in Multiple Occupation (HMO) accommodating a maximum of 9 persons (sui generis), including installation of new windows
Pending
DM/26/01715/FPA
Two storey side extension and dormer roof extensions to rear of existing dwelling
Pending
DM/26/01518/FPA
Installation of 1 no. new communications kiosk with integrated defibrillator and advertising display
Pending

View Planning Timeline

Ownership

Corporate Ownership80.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-07-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density1,120 /km²

Owner Occupied54%

Age Distribution

0-15 17%16-64 56%65+ 27%

View Area Profile

Schools Nearby

Oxhill Nursery School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
South Stanley Infant and Nursery School
0.5 mi
Inspected as South Stanley Infant and Nursery School (URN 114030) on 13 Mar 2013
South Stanley Junior School
0.5 mi
Good
Greenland Community Primary School
0.7 mi
Inspected as Greenland Community Primary School (URN 135336) on 27 Nov 2012

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

View All Schools

Comparables

View All

1 Rose Avenue
-
£32k
-
20 Rose Avenue
-
£86k
-
20 Rose Avenue
-
£45k
-
5 Rose Avenue
-
£26k
-

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