34 Polden Close, Peterlee, SR8 2LH

UPRN:100110451295End Terrace House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band AEPC: D (68)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£101,000

£96k - £106kHigh

Estimate

£101k

Range

£96k – £106k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

10.00%

Verdict

Derived from HomePortfolio scores

34 Polden Close earns an INVESTIGATE rating with HP Score 71/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (44/100). 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

71/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

44/ 100

Mixed

Transit & Bike

Transit 14Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -1.0% (HIGH), sold-comps -17.2%, £/sqft -17.9%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 100110451295· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.1%· as of 22 Oct 2026
Rental economics38.6/40
gross yield 10.0%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 9 Oct 2026· verify before relying on this
Stress margin7.6/30
stressed cash flow +64/mo, +8% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 377 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 6 Nov 2026
Risk & liquidity14.7/15
443 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 70+ up to £84,000

£76,500£117,500

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£102,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £31,900
Net cash flow: £244/mo
Cash on cash: 9.2%
Score at this price: 61

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.47 - 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 100110451295Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.1%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-900)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 377 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £84,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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£101,000

Rent Estimate (pcm)£850

Gross Yield10.00%

1y Growth-

3y Growth+4.5%

5y Growth+2.5%

10y Growth+2.1%

Last Sold Price£89,000 (2020-11-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SR8 2LH

Approval Rate

-12mo

Development

low

DM/26/02862/PN56
Prior notification for the installation of Solar PV system comprising of 7,158 x 485w panels
Pending
DM/26/01773/CPO
Application for a lawful development certificate for proposed detached single-storey domestic private garage within residential curtilage of host dwelling
Pending
DM/26/01488/FPA
Single-storey rear extension, dormer extension and new front boundary treatment
Pending

View Planning Timeline

Ownership

Corporate Ownership82.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-11-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density2,890 /km²

Owner Occupied65%

Age Distribution

0-15 20%16-64 61%65+ 19%

View Area Profile

Schools Nearby

Howletch Lane Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Bede's Catholic School and Byron Sixth Form College
0.5 mi
Good
The Academy at Shotton Hall
0.6 mi
Outstanding
Shotton Hall Primary School
0.6 mi
Inspected as Shotton Hall Junior School (URN 114155) on 26 Nov 2009

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

44 Polden Close
-
£74k
-
34 Polden Close
-
£89k
-
32 Polden Close
-
£60k
-
42 Polden Close
-
£57k
-

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