Finkle Cottage, 10 Finkle Street, Sedbergh, LA10 5BZ

UPRN:100110699144Terraced Bungalow1 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (60)

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

Finkle Cottage, 10 Finkle Street, Sedbergh, LA10 5BZ

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£198,000

£188k - £208kHigh

Estimate

£198k

Range

£188k – £208k

Rent Estimate (pcm)

£500

£450 - £600

Monthly

£500

Yield

3.16%

Verdict

Derived from HomePortfolio scores

Finkle Cottage earns an INVESTIGATE rating with HP Score 74/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (62/100). 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

74/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

62/ 100

Moderate

Transit & Bike

Transit 23Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 +4.0% (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 100110699144· as of 12 Oct 2026
Rental economics0/40
gross yield 3.2%; range width penalty ×0.60
- valuation_snapshotsrent estimate 500/mo (range 450-600)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -564/mo, -113% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 145 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 4 Nov 2026
Risk & liquidity14.6/15
31 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

£142,500£218,500

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£190,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£600

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: -£295/mo
Cash on cash: -5.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.78 - 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 100110699144Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 500/mo (range 450-600)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 500/mo (range 450-600)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 145 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£198,000

Rent Estimate (pcm)£500

Gross Yield3.16%

1y Growth-

3y Growth-0.3%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price£148,000 (2007-01-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0LA10 5BZ

Approval Rate

-12mo

Development

low

S/03/263D
Full planning permission for the repositioning of the children's playground and safe entry from Howgill Lane to the north west of the site, the extension of the car parking area and the extension of the accessible path round to the gym entrance
Pending
S/03/775/MNR1
Non material amendment to planning permission S/03/775 in respect of reduction in size of carport to a covered area to provide covered offloading and rear covered seating area
Conditions
S/03/113C
Full planning permission for internal and external alterations to expand existing dental practice, including provision of downstairs WC; use of first floor as recovery room and storage area; use of the upper floor as staff room & kitchen; replacement of a rear dormer window and reconfiguration of the stairwell
Pending

View Planning Timeline

Ownership

Corporate Ownership79.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-01-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density-

Owner Occupied58%

Age Distribution

0-15 23%16-64 56%65+ 21%

View Area Profile

Schools Nearby

Sedbergh School
0.2 mi
Inspected by ISI
Sedbergh Primary School
0.3 mi
GoodConcerns
Settlebeck School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Dent CofE Voluntary Aided Primary School
4.3 mi
Good

0 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

9 Finkle Street
-
£160k
-
9 Finkle Street
-
£140k
-
10 Finkle Street
-
£148k
-
7 Finkle Street
-
£90k
-

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