48 Westmorland Rise, Peterlee, SR8 2EW

UPRN:100110454496Mid Terrace House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band AEPC: C (72)

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

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

£73,000

£69k - £76kHigh

Estimate

£73k

Range

£69k – £76k

Rent Estimate (pcm)

£600

£600 - £650

Monthly

£600

Yield

11.08%

Verdict

Derived from HomePortfolio scores

48 Westmorland Rise earns an INVESTIGATE rating with HP Score 65/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (23/100). 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

60/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

23/ 100

Low

Transit & Bike

Transit 21Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 5 Nov 2026

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

Valuation edge0/15
claims [AVM +11.0% (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 13 Oct 2026
- valuation_snapshotsestimate for 100110454496· as of 13 Oct 2026
Rental economics40/40
gross yield 11.1%; range width penalty ×1.00
- valuation_snapshotsrent estimate 600/mo (range 600-650)· as of 13 Oct 2026· verify before relying on this
Stress margin6.1/30
stressed cash flow +37/mo, +6% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 187 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 5 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 £52,000

£49,000£75,000

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£65,000

At the asking price

Monthly rent£600/mo

Evidenced range £600-£650

Interest rate5.4%

Loan to value75%

Cash required: £20,800
Net cash flow: £196/mo
Cash on cash: 11.3%
Score at this price: 61

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.74 - 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 100110454496Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 600-650)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 600/mo (range 600-650)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 187 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 £52,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£73,000

Rent Estimate (pcm)£600

Gross Yield11.08%

1y Growth-

3y Growth+4.5%

5y Growth+2.5%

10y Growth+2.1%

Last Sold Price£62,000 (2022-02-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SR8 2EW

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/26/02791/NMA
Non-material amendment pursuant to consent DM/22/02566/VOC in order to amend the wording of Condition 10 (Contamination) to enable phased approach for remediation and validation requirements throughout the development.
Approved
DM/26/02601/NMA
Non Material Amendment appplication in relation to Condition 22 (Construction Management Plan) pursuant to consent DM/22/02566/VOC, in order to amend the Construction Management Plan for Phase 1 of the development only.
Pending

View Planning Timeline

Ownership

Corporate Ownership82.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-02-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density-

Owner Occupied70%

Age Distribution

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

View Area Profile

Schools Nearby

Acre Rigg Infant School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Acre Rigg Academy
0.3 mi
Good
Endeavour Academy Durham
0.6 mi
Good
East Durham College
0.6 mi
-

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

41 Westmorland Rise
-
£50k
-
48 Westmorland Rise
-
£62k
-
49 Westmorland Rise
-
£69k
-
47 Westmorland Rise
-
£84k
-

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