Millfield Cottage, Millfield Terrace, Bardon Mill, Hexham, NE47 7HX

UPRN:100110725524Detached House1 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: E (45)

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

Millfield Cottage, Millfield Terrace, Bardon Mill, Hexham, NE47 7HX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£210,000

£168k - £252kLow

Estimate

£210k

Range

£168k – £252k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

8.35%

Verdict

Derived from HomePortfolio scores

Millfield Cottage earns an INVESTIGATE rating with HP Score 61/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (11/100). 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

61/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

11/ 100

Low

Transit & Bike

Transit 10Bike 22

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics22.1/40
gross yield 8.3%; range width penalty ×0.82; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 800/mo (range 700-850)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -27/mo, -3% 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 10 Nov 2026
Risk & liquidity9.2/15
75 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£115,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £35,800
Net cash flow: £166/mo
Cash on cash: 5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.06 - 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_snapshotsrent estimate 800/mo (range 700-850)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 700-850)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£210,000

Rent Estimate (pcm)£800

Gross Yield8.35%

1y Growth-

3y Growth+2.8%

5y Growth+3.1%

10y Growth+4.0%

Last Sold Price£111,500 (2011-04-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NE47 7HX

Approval Rate

-12mo

Development

low

25/03108/NONMAT
Non-material amendment (use of nature stone instead of pebble dash render to rear) on approved application 25/00445/FUL
Approved
25/01083/DISCON
Discharge of conditions application for 23/00459/FUL - Condition 4 (Landscaping).
Conditions
25/01885/CLEXIS
Certificate of Lawful Development for existing sheds constructed and used for purposes ancillary to Errington Reay Pottery Works
Approved

View Planning Timeline

Ownership

Corporate Ownership71.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-04-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density-

Owner Occupied78%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Henshaw Church of England Primary School
0.8 mi
Inspected as Henshaw Church of England Voluntary Aided Primary School (URN 122276) on 10 May 2023
Haydon Bridge High School
3.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Whitfield CofE Primary School
3.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Shaftoe Trust Academy
4.1 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Glenholme, 3 Millfield Terrace
-
£145k
-
1 Millfield Terrace
-
£71k
-
Post Office Millfield Terrace
-
£140k
-
Millfield Cottage Millfield Terrace
-
£112k
-

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