20 Duncan Gardens, Morpeth, NE61 2PT

UPRN:100110620885Mid Terrace House2 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£169,000

£161k - £178kHigh

Estimate

£169k

Range

£161k – £178k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

6.71%

Verdict

Derived from HomePortfolio scores

20 Duncan Gardens earns an INVESTIGATE rating with HP Score 76/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is very low. Walkability is limited (47/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

75/ 100

High

Crime Score

14/ 100

Low

Walkability

47/ 100

Mixed

Transit & Bike

Transit 19Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£170,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: £84/mo
Cash on cash: 1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£169,000

Rent Estimate (pcm)£950

Gross Yield6.71%

1y Growth-

3y Growth+3.7%

5y Growth+3.0%

10y Growth+2.4%

Last Sold Price£92,500 (2005-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NE61 2PT

Approval Rate

-12mo

Development

low

26/03896/MISC
Installation of 2 x 10m light poles - Reference: OGEAA7539439
Pending
26/03725/TREECA
Trees in a Conservation Area : Willow Tree - Pollarded to a height above bank level, with ongoing Willow Management to prevent re growth obstructing the channel. Selective clearance of bramble impeding access to the channel. Removal of self seeded trees and shrubs from channel margins where they contribute to flow obstruction. Crown lifting if various retained trees to improve channel conveyance. Removal and treatment of invasive and non-native species to prevent further spread.
Pending
26/03678/FUL
Addition of new front enclosed porch and new extension to rear along with conversion of existing attached garage to form new kitchen and dining area to property
Pending

View Planning Timeline

Ownership

Corporate Ownership73.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-03-11
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 Density-

Owner Occupied55%

Age Distribution

0-15 18%16-64 57%65+ 25%

View Area Profile

Schools Nearby

Abbeyfields First School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Roberts Catholic First School, Morpeth
0.3 mi
Inspected as St Robert's Roman Catholic Voluntary Aided First School (URN 122312) on 2 Oct 2019
Morpeth First School
0.6 mi
Good
Morpeth Newminster Middle School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

24 Duncan Gardens
-
£150k
-
12 Duncan Gardens
-
£165k
-
19 Duncan Gardens
-
£160k
-
8 Duncan Gardens
-
£110k
-

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