12 Balmoral, Great Lumley, Chester le Street, DH3 4LP

UPRN:100110702479Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: D (63)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

12 Balmoral, Great Lumley, Chester le Street, DH3 4LP

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£166,000

£158k - £175kHigh

Estimate

£166k

Range

£158k – £175k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

5.82%

Verdict

Derived from HomePortfolio scores

12 Balmoral earns an INVESTIGATE rating with HP Score 74/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (48/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

48/ 100

Mixed

Transit & Bike

Transit 15Bike 37

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - 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£165,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: -£3/mo
Cash on cash: -0.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.44 - 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£166,000

Rent Estimate (pcm)£800

Gross Yield5.82%

1y Growth+18.6%

3y Growth+5.3%

5y Growth+0.8%

10y Growth+2.9%

Last Sold Price£145,000 (2023-06-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DH3 4LP

Approval Rate

-12mo

Development

low

DM/26/02090/FPA
Erection of a dwelling.
Pending
DM/26/01993/FPA
Siting an InPost Parcel Locker (retrospective).
Pending
DM/26/01841/FPA
Change of use from beauty salon to dog grooming studio.
Pending

View Planning Timeline

Ownership

Corporate Ownership71.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-06-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density-

Owner Occupied73%

Age Distribution

0-15 16%16-64 54%65+ 30%

View Area Profile

Schools Nearby

Lumley Infant and Nursery School
0.1 mi
Good
Lumley Junior School
0.3 mi
Good
Red Rose Primary School
1.1 mi
Good
St Cuthbert's Catholic Primary School, Chester-Le-Street
1.2 mi
Good

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

20 Balmoral
-
£105k
-
25 Balmoral
-
£140k
-
28 Balmoral
-
£150k
-
12 Balmoral
-
£145k
-

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