20 Stewart Street, Darlington, DL3 6QS

UPRN:100110560705Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£82,000

£77k - £86kHigh

Estimate

£82k

Range

£77k – £86k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

8.00%

Verdict

Derived from HomePortfolio scores

20 Stewart Street earns an INVESTIGATE rating with HP Score 77/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (79/100). 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

77/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

79/ 100

High

Transit & Bike

Transit 24Bike 51

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 edge2.5/15
claims [AVM -0.6% (HIGH), sold-comps +32.9%, £/sqft +33.2%] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100110560705· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.4%· as of 1 Nov 2026
Rental economics20.1/40
gross yield 8.0%; range width penalty ×0.84
- valuation_snapshotsrent estimate 550/mo (range 500-600)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -74/mo, -13% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 132 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 & liquidity14.5/15
539 sales/12mo in area; valuation range width 11%
- 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

£62,000£95,000

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£82,500

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £26,050
Net cash flow: £102/mo
Cash on cash: 4.7%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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 100110560705Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.4%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 550/mo (range 500-600)Rental economics · as of 12 Oct 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

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 550/mo (range 500-600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 132 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. 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£82,000

Rent Estimate (pcm)£550

Gross Yield8.00%

1y Growth+23.5%

3y Growth+3.1%

5y Growth+0.6%

10y Growth+1.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DL3 6QS

Approval Rate

-12mo

Development

low

26/01052/CON
Approval of details reserved by Condition 5 (external materials) attached to planning permission 26/00095/FUL dated 23 Oct 26 (Conversion of existing Methodist Church (Use Class F1) to 6 No. flats (3 No. 2 bed and 3 No. 1 bed) (Use Class C3), including erection of part second storey extension, installation of 1.8 m timber boundary fence, cycle storage provision and associated works)
Pending
26/01050/TFC
Notification to carry out works to trees in a designated conservation area - as per submitted arborist report
Pending
26/01029/TF
Works to various trees protected under Tree Preservation Order (No.1) 1952 and (No.10) 1994 - as per arborists report including the felling of 1 No. Elm Tree (T015)
Pending

View Planning Timeline

Ownership

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

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,100

Population Density8,709 /km²

Owner Occupied45%

Age Distribution

0-15 17%16-64 71%65+ 12%

View Area Profile

Schools Nearby

Reid Street Primary School
0.2 mi
Good
Corporation Road Community Primary School
0.4 mi
Good
Rise Carr College
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
George Dent Nursery School
0.5 mi
Outstanding

1 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Stewart Street
-
£80k
-
15 Stewart Street
-
£65k
-
9 Stewart Street
-
£83k
-
18 Stewart Street
-
£85k
-

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