40 Cumberland Street, Darlington, DL3 0LX

UPRN:100110540745Mid Terrace House1 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: D (62)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

40 Cumberland Street, Darlington, DL3 0LX

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£85,000

£81k - £89kHigh

Estimate

£85k

Range

£81k – £89k

Rent Estimate (pcm)

£600

£550 - £600

Monthly

£600

Yield

9.00%

Verdict

Derived from HomePortfolio scores

40 Cumberland Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (64/100). 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

70/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

29/ 100

Moderate

Walkability

64/ 100

Moderate

Transit & Bike

Transit 25Bike 52

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 9 Nov 2026

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

Valuation edge0/15
claims [AVM +5.9% (HIGH), sold-comps -6.7%, £/sqft -6.1%] → 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 10 Nov 2026
- valuation_snapshotsestimate for 100110540745· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%· as of 1 Nov 2026
Rental economics32/40
gross yield 9.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 600/mo (range 550-600)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -26/mo, -4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 144 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 9 Nov 2026
Risk & liquidity14.7/15
539 sales/12mo in area; valuation range width 9%
- 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

£60,000£92,000

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£79,995

At the asking price

Monthly rent£600/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £25,299
Net cash flow: £145/mo
Cash on cash: 6.9%
Score at this price: 47

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 100110540745Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 600/mo (range 550-600)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 600/mo (range 550-600)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 144 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. 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£85,000

Rent Estimate (pcm)£600

Gross Yield9.00%

1y Growth+53.7%

3y Growth+3.1%

5y Growth+0.6%

10y Growth+1.3%

Last Sold Price£62,000 (2005-12-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DL3 0LX

Approval Rate

-12mo

Development

low

26/01015/FUL
Change of use and subdivision of car showroom (Sui Generis) to provide 2 No. commercial units (Use Class E) and 4 No. storage units (Use Class B8) with associated alterations including installation of glazing and entrance to South elevation (Westmoreland St), roller shutter doors to storage units on west elevation (alleyway) and construction of ramped access to east elevation (North Rd)
Pending
26/01014/NMA
Non-Material Amendment of Planning Permission 26/00246/FUL dated 7 May 2026 (Erection of single storey rear extension) to permit the substitution of brick type
Pending
26/01012/PLU
Certificate of Lawfulness for proposed development - The erection of a single storey rear extension. (amended description).
Pending

View Planning Timeline

Ownership

Corporate Ownership77.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-12-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,100

Population Density5,050 /km²

Owner Occupied52%

Age Distribution

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

View Area Profile

Schools Nearby

Rise Carr College
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Northwood Primary School
0.3 mi
Good
Harrowgate Hill Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Longfield Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

62 Cumberland Street
-
£70k
-
29 Cumberland Street
-
£95k
-
18 Cumberland Street
-
£60k
-
32 Cumberland Street
-
£71k
-

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