39 Castle Terrace, Berwick-upon-Tweed, TD15 1NZ

UPRN:100110578938Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: -EPC: D (57)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

39 Castle Terrace, Berwick-upon-Tweed, TD15 1NZ

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£628,000

£597k - £660kHigh

Estimate

£628k

Range

£597k – £660k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

3.63%

Verdict

Derived from HomePortfolio scores

39 Castle Terrace earns an INVESTIGATE rating with HP Score 76/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (77/100). 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

76/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 8Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 +5.3% (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 14 Nov 2026
- valuation_snapshotsestimate for 100110578938· as of 14 Nov 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.70
- valuation_snapshotsrent estimate 1800/mo (range 1550-2000)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,317/mo, -73% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 226 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 11 Nov 2026
Risk & liquidity14.6/15
156 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

£446,000£684,000

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£595,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,550-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £199,550
Net cash flow: -£762/mo
Cash on cash: -4.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.90 - below 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 100110578938Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 1800/mo (range 1550-2000)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1800/mo (range 1550-2000)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 226 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.
2 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£628,000

Rent Estimate (pcm)£1,800

Gross Yield3.63%

1y Growth-

3y Growth+2.9%

5y Growth+3.0%

10y Growth+2.9%

Last Sold Price£580,000 (2022-04-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TD15 1NZ

Approval Rate

-12mo

Development

low

26/03954/FUL
Proposed conversion of existing guest house to Sui Generis House of Multiple Occupancy (HMO).
Pending
26/03729/FUL
Creation of an EV charging zone with canopy, jetwash, LV panel, meter cabinet, plant room, Substation, locker hub and associated works
Pending
26/03650/FUL
Proposal for the installation of eight rapid electric vehicle charging stations and ancillary equipment within the car park of Starbucks - Berwick-upon-Tweed, including three fully accessible EV charging bays.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-04-08
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£30,456

Population Density60 /km²

Owner Occupied82%

Age Distribution

0-15 13%16-64 51%65+ 36%

View Area Profile

Schools Nearby

Holy Trinity Church of England Primary School
0.5 mi
Good
Berwick St Mary's Church of England Primary School
0.6 mi
Good
St Cuthberts Catholic Primary School, Berwick
0.9 mi
Inspected as St Cuthbert's Roman Catholic Voluntary Aided First School, Berwick (URN 122309) on 6 Feb 2018
Tweedmouth West Primary School
0.9 mi
Good

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

View All Schools

Comparables

View All

26 Castle Terrace
-
£400k
-
37 Castle Terrace
-
£470k
-
44 Castle Terrace
-
£720k
-
39 Castle Terrace
-
£580k
-

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