3 Victoria Terrace, Newbiggin-by-the-Sea, NE64 6NL

UPRN:100110672289Mid Terrace House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: C (72)

Data freshness:Planning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

3 Victoria Terrace, Newbiggin-by-the-Sea, NE64 6NL

HP Score

/ 100

Mixed

Verdict

7 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

15 of 21 sources

Sale Estimate

£647,000

£614k - £679kHigh

Estimate

£647k

Range

£614k – £679k

Rent Estimate (pcm)

£5,550

£5k - £6k

Monthly

£5,550

Yield

11.19%

Verdict

Derived from HomePortfolio scores

3 Victoria Terrace earns an INVESTIGATE rating with HP Score 56/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (21/100). 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 NationsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

56/ 100

Elevated

Walkability

21/ 100

Low

Transit & Bike

Transit 17Bike 45

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 edge0/15
claims [AVM +8.0% (HIGH), sold-comps -84.2%, £/sqft -84.1%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100110672289· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.4%· as of 8 Nov 2026
Rental economics40/40
gross yield 11.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 5550/mo (range 5300-5800)· as of 12 Oct 2026· verify before relying on this
Stress margin25.9/30
stressed cash flow +1,439/mo, +26% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 107 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 & liquidity14.6/15
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 £595,000

£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£5,550/mo

Evidenced range £5,300-£5,800

Interest rate5.4%

Loan to value75%

Cash required: £199,550
Net cash flow: £1,834/mo
Cash on cash: 11.0%
Score at this price: 80

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.76 - 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 100110672289Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.4%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 5550/mo (range 5300-5800)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 5550/mo (range 5300-5800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 107 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.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £595,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£647,000

Rent Estimate (pcm)£5,550

Gross Yield11.19%

1y Growth-

3y Growth+8.3%

5y Growth+7.2%

10y Growth+6.0%

Last Sold Price£240,000 (2022-09-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NE64 6NL

Approval Rate

-12mo

Development

low

26/03861/MISC
Installation of 1 x 9m medium pole - Reference: OGEAA7904037
Pending
26/03621/CLPROP
Certificate of Lawful Development - Proposed use of the existing dwellinghouse as a short-term holiday let
Pending
26/03510/DISCON
Discharge of conditions 22 (Adoption HDM) on approved application 25/03095/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership86%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2022-09-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density2,229 /km²

Owner Occupied64%

Age Distribution

0-15 12%16-64 57%65+ 31%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

3 Victoria Terrace
-
£240k
-

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