5B Dam Street, Loftus, Saltburn-by-the-Sea, TS13 4JX

UPRN:10023901320Terraced Bungalow2 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: D (62)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

5B Dam Street, Loftus, Saltburn-by-the-Sea, TS13 4JX

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£83,000

£79k - £87kHigh

Estimate

£83k

Range

£79k – £87k

Rent Estimate (pcm)

£550

£550 - £600

Monthly

£550

Yield

8.25%

Verdict

Derived from HomePortfolio scores

5B Dam Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (58/100). 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

75/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

58/ 100

Moderate

Transit & Bike

Transit 14Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing 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 +3.6% (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 13 Oct 2026
- valuation_snapshotsestimate for 10023901320· as of 13 Oct 2026
Rental economics26/40
gross yield 8.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 550/mo (range 550-600)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -63/mo, -11% 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: 0 price cut(s), 173 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 & liquidity14.7/15
104 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

£60,000£92,000

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£79,995

At the asking price

Monthly rent£550/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £25,299
Net cash flow: £111/mo
Cash on cash: 5.3%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.04 - 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 10023901320Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 550/mo (range 550-600)Rental economics · as of 13 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 550/mo (range 550-600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 173 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£83,000

Rent Estimate (pcm)£550

Gross Yield8.25%

1y Growth-

3y Growth+0.9%

5y Growth-1.1%

10y Growth+1.9%

Last Sold Price£35,000 (2018-06-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TS13 4JX

Approval Rate

-12mo

Development

low

R/2026/0674/FF
Demolition of existing single storey side extension; replace with two storey side extension
Pending
R/2026/0599/CA
Change of use from supported living accommodation (Use Class C3(b)) to supported residential accommodation (Use Class C2)
Pending
R/2026/0561/CD
Discharge of conditions 3 (windows and door details) and 4 (stall risers and lamps) of planning approval R/2024/0375/CA for replacement timber shopfront, replacement windows to upvc at first floor, removal of paint to brickwork, stabilisation works to box bay and stone doorstep and external lanterns...
Conditions

View Planning Timeline

Ownership

Corporate Ownership85%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-06-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,630

Population Density57 /km²

Owner Occupied77%

Age Distribution

0-15 17%16-64 57%65+ 26%

View Area Profile

Schools Nearby

Handale Primary School
0.4 mi
Inspected as Handale Primary School (URN 131645) on 11 Feb 2020
Hummersea Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Saint Joseph's Catholic Primary School, A Catholic Voluntary Academy
0.4 mi
-
Whitecliffe Academy
1.1 mi
-

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

View All Schools

Comparables

View All

2 Dam Street
-
£70k
-
Old Dairy Dam Street
-
£128k
-
1 Dam Street
-
£90k
-
14 Dam Street
-
£94k
-

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