8 Mellwood, South Road, Kirkby Stephen, CA17 4SD

UPRN:100110692180Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: -EPC: C (73)

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

8 Mellwood, South Road, Kirkby Stephen, CA17 4SD

HP Score

/ 100

Mixed

Verdict

7 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£129,000

£123k - £136kHigh

Estimate

£129k

Range

£123k – £136k

Rent Estimate (pcm)

£300

£250 - £350

Monthly

£300

Yield

2.88%

Verdict

Derived from HomePortfolio scores

8 Mellwood earns an INVESTIGATE rating with HP Score 71/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (63/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

63/ 100

Moderate

Transit & Bike

Transit 26Bike 23

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 +3.1% (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 12 Oct 2026
- valuation_snapshotsestimate for 100110692180· as of 12 Oct 2026
Rental economics0/40
gross yield 3.7% on contractual rent (listing-disclosed tenancy); contractual 600/mo far above the 300/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 600/mo (tenanted)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -371/mo, -95% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 227 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 9 Nov 2026
Risk & liquidity14.6/15
66 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£350

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: -£214/mo
Cash on cash: -6.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - 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 100110692180Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 600/mo (tenanted)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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
contractual rent 600/mo (tenanted)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 227 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. 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£129,000

Rent Estimate (pcm)£300

Gross Yield2.88%

1y Growth-

3y Growth-4.5%

5y Growth-0.5%

10y Growth+4.5%

Last Sold Price£100,000 (2018-03-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CA17 4SD

Approval Rate

-12mo

Development

low

2026/1920/FPA
Conversion of three agricultural buildings to form single dwellinghouse.
Pending
2026/1839/DISC
Application for the approval of details reserved by Condition 9 (Prior to the installation of any new windows, doors or external vents, detailed drawings and specifications of all proposed replacement windows and doors shall be submitted to and approved in writing by the Local Planning Authority) attached to approval 2025/2371/FPA.
Pending
2026/1791/TPO
Works to trees subject to Tree Preservation Order TPO 213.T1: Birch tree - prune one side of the tree to reduce the over all size of the tree.T2: Ash tree - lift the 2 lower large limbs and prune the upper caopy back by 1/3.T3: Ash tree - reduce the limbs overhanging the garden by 1/3.
Approved

View Planning Timeline