The Cottage, South Terrace, Skelton-in-Cleveland, Saltburn-by-the-Sea, TS12 2EW

UPRN:10023906124Detached Bungalow3 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band EEPC: C (80)

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

The Cottage, South Terrace, Skelton-in-Cleveland, Saltburn-by-the-Sea, TS12 2EW

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£364,000

£345k - £382kHigh

Estimate

£364k

Range

£345k – £382k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

4.60%

Verdict

Derived from HomePortfolio scores

The Cottage earns an INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (57/100). 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)Defra 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

69/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

57/ 100

Moderate

Transit & Bike

Transit 15Bike 33

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - 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£365,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: -£263/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - below 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£364,000

Rent Estimate (pcm)£1,400

Gross Yield4.60%

1y Growth-

3y Growth+0.9%

5y Growth+3.4%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TS12 2EW

Approval Rate

-12mo

Development

low

R/2026/0812/TC
Pruning of 3 Conifers (T1, T3 & T5); Felling of Oak (T13), 3 Hawthorns (T14, T15 & T16) and oak (T17); and pruning of a Hawthorn (T18) & Holly (T19) trees
Pending
R/2026/0802/TC
Pruning of Cedar tree (T1) reducing in height by 3-4 metres; crown raised to 2-3 metres and light prune on sides
Pending
R/2026/0755/CA
Replace existing wooden sliding sash windows with upvc sliding sash windows
Pending

View Planning Timeline

Ownership

Corporate Ownership74.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,630

Population Density172 /km²

Owner Occupied68%

Age Distribution

0-15 13%16-64 59%65+ 28%

View Area Profile

Schools Nearby

Skelton Primary School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Huntcliff School
1.3 mi
Good
Lockwood Primary School
1.3 mi
GoodConcerns
Saltburn Primary School
1.5 mi
Good

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

View All Schools

Comparables

View All

19 South Terrace
-
£460k
-
13 South Terrace
-
£245k
-
18 South Terrace
-
£160k
-
11 South Terrace
-
£130k
-

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