Wayside Cottage, Royal Oak Farm, Royal Oak, Filey, YO14 9QE

UPRN:10023875904Terrace Property2 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band CEPC: C (71)

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

Wayside Cottage, Royal Oak Farm, Royal Oak, Filey, YO14 9QE

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£164,000

£156k - £172kHigh

Estimate

£164k

Range

£156k – £172k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

6.91%

Verdict

Derived from HomePortfolio scores

Wayside Cottage earns an INVESTIGATE rating with HP Score 53/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (3/100). 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 listingsMarket 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

53/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

3/ 100

Low

Transit & Bike

Transit 10Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM -0.6% (HIGH), sold-comps +4.6%, £/sqft +4.9%] → measured edge +0.50pp 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 9 Nov 2026
- valuation_snapshotsestimate for 10023875904· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.8%· as of 1 Nov 2026
Rental economics15.1/40
gross yield 6.9%; range width penalty ×0.99
- valuation_snapshotsrent estimate 950/mo (range 900-1000)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -128/mo, -13% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 74 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 6 Nov 2026
Risk & liquidity14.7/15
210 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

£124,000£189,500

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£165,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: £101/mo
Cash on cash: 2.3%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.71 - 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 10023875904Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 950/mo (range 900-1000)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

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 950/mo (range 900-1000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 74 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. 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.
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£164,000

Rent Estimate (pcm)£950

Gross Yield6.91%

1y Growth-

3y Growth-3.4%

5y Growth+0.6%

10y Growth+2.8%

Last Sold Price£135,000 (2015-10-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0YO14 9QE

Approval Rate

-12mo

Development

low

26/04338/FUL
Installation of a modular retail unit
Pending
26/03655/AMENDS
Non material amendment to application SCA22/02347/FL to allow reduction in pitch numbers from 36no to 21no, creation of 2no additional parking spaces, replacement of 6no pitches with landscaping feature and realignment of internal road network
Approved
26/02825/DISCON
Discharge of Conditions 3 (BGP), 4 (CEMP), 5 (HMMP), 6 (Highway improvement works), 7 (Exceedance designs), 8 (Siting of bin stores) and deemed condition- Note 1 (BGP) relating to ZF24/00790/FL
Pending

View Planning Timeline

Ownership

Corporate Ownership54.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-10-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density38 /km²

Owner Occupied73%

Age Distribution

0-15 13%16-64 52%65+ 35%

View Area Profile

Schools Nearby

Hunmanby Primary School
0.8 mi
Good
Filey Academy
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Filey Church of England Nursery and Infants Academy
1.2 mi
Inspected as Filey Church of England Voluntary Controlled Nursery and Infant School (URN 121533) on 26 Sep 2013
Filey Junior School
1.6 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Gate Cottage Royal Oak
-
£333k
-
Gate Cottage Royal Oak
-
£333k
-
Jasmine Cottage Royal Oak
-
£127k
-
Royal Oak Farm Cottage Royal Oak
-
£188k
-

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