90 Church Lane, Ferryhill, DL17 8LT

UPRN:100110470013Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: E (42)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 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

£40,000

£36k - £44kMedium

Estimate

£40k

Range

£36k – £44k

Rent Estimate (pcm)

£350

£300 - £350

Monthly

£350

Yield

10.50%

Verdict

Derived from HomePortfolio scores

90 Church Lane earns an INVESTIGATE rating with HP Score 69/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (89/100). 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)Defra 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

69/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

67/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 26Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM +0.0% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110470013· as of 12 Oct 2026
Rental economics40/40
gross yield 13.7% 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
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin7.8/30
stressed cash flow +36/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 2 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
254 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 sensitivityScores 70+ up to £30,000

£30,000£46,000

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£40,000

At the asking price

Monthly rent£350/mo

Evidenced range £300-£350

Interest rate5.4%

Loan to value75%

Cash required: £13,300
Net cash flow: £107/mo
Cash on cash: 9.7%
Score at this price: 61

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.59 - 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 100110470013Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 500/mo (tenanted)Rental economics · as of 2 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 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
contractual rent 500/mo (tenanted)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Set your walk-away price before viewing - above £30,000 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£40,000

Rent Estimate (pcm)£350

Gross Yield10.50%

1y Growth+78.6%

3y Growth+9.5%

5y Growth+6.6%

10y Growth+2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DL17 8LT

Approval Rate

-12mo

Development

low

DM/26/02406/FPA
Garage conversion and construction of storeroom to side elevation
Approved
DM/26/02187/TPO
Pruning work to Ash (T1) and Sycamore (T2) - 2.5m clearance from property
Approved
DM/26/02062/FPA
Erection of commercial unit to form MOT garage (Use Class B2/Class E/Sui Generis)
Pending

View Planning Timeline

Ownership

Corporate Ownership87.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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 Density381 /km²

Owner Occupied60%

Age Distribution

0-15 16%16-64 56%65+ 28%

View Area Profile

Schools Nearby

Dean Bank Primary and Nursery School
0.1 mi
Requires improvement
Broom Cottages Primary & Nursery School
0.5 mi
Good
The Woodlands
0.5 mi
-
Cleves Cross Primary and Nursery School Academy
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

81 Church Lane
-
£38k
-
73 - 79 Church Lane
-
£50k
-
81 Church Lane
-
£28k
-
102 Church Lane
-
£60k
-

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