40 Beach Terrace, Newbiggin-by-the-Sea, NE64 6XE

UPRN:100110670072Terrace Property4 bedsBuilt 1930-1949

Tenure: -Council Tax: Band CEPC: C (71)

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

40 Beach Terrace, Newbiggin-by-the-Sea, NE64 6XE

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£393,000

£373k - £412kHigh

Estimate

£393k

Range

£373k – £412k

Rent Estimate (pcm)

£3,300

£3k - £3k

Monthly

£3,300

Yield

10.03%

Verdict

Derived from HomePortfolio scores

40 Beach Terrace earns an INVESTIGATE rating with HP Score 76/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is very low. Walkability is limited (57/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

70/ 100

High

Crime Score

13/ 100

Low

Walkability

57/ 100

Moderate

Transit & Bike

Transit 6Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 7 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -0.5% (HIGH), sold-comps -3.7%, £/sqft -3.6%] → 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 100110670072· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%· as of 8 Nov 2026
Rental economics40/40
gross yield 10.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 3300/mo (range 3150-3450)· as of 10 Nov 2026· verify before relying on this
Stress margin19.1/30
stressed cash flow +629/mo, +19% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 86 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 7 Nov 2026
Risk & liquidity14.7/15
74 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 sensitivityScores 80+ up to £345,500

£296,000£454,000

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£395,000

At the asking price

Monthly rent£3,300/mo

Evidenced range £3,150-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £129,550
Net cash flow: £951/mo
Cash on cash: 8.8%
Score at this price: 74

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.48 - 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 100110670072Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 3300/mo (range 3150-3450)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 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 3300/mo (range 3150-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 86 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. Set your walk-away price before viewing - above £345,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£393,000

Rent Estimate (pcm)£3,300

Gross Yield10.03%

1y Growth+5.1%

3y Growth+8.3%

5y Growth+7.2%

10y Growth+6.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2NE64 6XE

Approval Rate

50%12mo

Development

low

26/03240/CLEXIS
Certificate of Lawful Development - Existing use for hot food takeaway with takeaway collection and delivery
Pending
26/03213/DISCON
Discharge of Conditions 28 (Construction Ecological Management Plan) and 29 (Landscape and Ecological Management Plan) pursuant to planning permission 22/03571/FUL
Pending
26/02952/FUL
Change of use of section of back-lane to form part of residential curtilage and enclosure by extending existing boundary fence (retrospective)
Rejected

View Planning Timeline

Ownership

Corporate Ownership86%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density4,143 /km²

Owner Occupied71%

Age Distribution

0-15 11%16-64 59%65+ 30%

View Area Profile

Schools Nearby

NCEA Grace Darling CofE Primary School
0.6 mi
Good
NCEA Castle School
1.1 mi
Good
NCEA Duke's Secondary School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
NCEA Bishop's Primary School
1.1 mi
Good

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

View All Schools

Comparables

View All

37 Beach Terrace
-
£350k
-
7 Beach Terrace
-
£170k
-
32 Beach Terrace
-
£260k
-
25 Beach Terrace
-
£270k
-

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