21 Lambs Terrace, Amble, Morpeth, NE65 0LP

UPRN:100110575536Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: C (70)

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

21 Lambs Terrace, Amble, Morpeth, NE65 0LP

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£170,000

£162k - £179kHigh

Estimate

£170k

Range

£162k – £179k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.39%

Verdict

Derived from HomePortfolio scores

21 Lambs Terrace earns an INVESTIGATE rating with HP Score 82/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (76/100). 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 listingsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

75/ 100

High

Crime Score

12/ 100

Low

Walkability

76/ 100

High

Transit & Bike

Transit 13Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 +6.2% (HIGH), sold-comps -14.7%, £/sqft -14.7%] → 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 100110575536· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%· as of 24 Oct 2026
Rental economics10.8/40
gross yield 6.4%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -178/mo, -21% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 326 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 & liquidity14.6/15
287 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 sensitivity

£119,500£183,500

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£159,500

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £49,840
Net cash flow: £50/mo
Cash on cash: 1.2%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 100110575536Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%Valuation edge · as of 24 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 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 850/mo (range 800-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 326 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£170,000

Rent Estimate (pcm)£850

Gross Yield6.39%

1y Growth-

3y Growth+3.9%

5y Growth+2.8%

10y Growth+4.0%

Last Sold Price£115,000 (2021-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NE65 0LP

Approval Rate

-12mo

Development

low

26/03639/FUL
Demolition of a building (The Fish Shack Restaurant) and erection of a two-storey building with roof terrace (Use Class E(b) - Restaurant) including ancillary infrastructure and hard landscaping.
Pending
26/03553/NONMAT
Non-material amendment (amendment to drainage design (revised)) on approved application 23/04183/FUL
Pending
26/03330/DISCON
Discharge of Condition 31 (SuDS Verification) of approved application 25/01254/VARCCD
Pending

View Planning Timeline

Ownership

Corporate Ownership75.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2021-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density-

Owner Occupied81%

Age Distribution

0-15 10%16-64 59%65+ 31%

View Area Profile

Schools Nearby

King Edwin Primary School
0.2 mi
Good
Coquet Community School
0.4 mi
Good
Amble Links Primary School
0.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
NCEA Warkworth Church of England Primary School
1.1 mi
Good

3 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 Lambs Terrace
-
£115k
-
19 Lambs Terrace
-
£155k
-
19 Lambs Terrace
-
£100k
-
17 Lambs Terrace
-
£105k
-

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