Flat 2, 10 The Midway, Newcastle under Lyme, ST5 1QG

UPRN:10024255822Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: Band AEPC: D (67)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 2, 10 The Midway, Newcastle under Lyme, ST5 1QG

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£72,000

£65k - £79kMedium

Estimate

£72k

Range

£65k – £79k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

2.80%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 58/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 44Bike 47

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

3 live adverts with different prices, types or bedrooms on one UPRN (£110,000-£150,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£150,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: -£264/mo
Cash on cash: -6.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.69 - 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£72,000

Rent Estimate (pcm)£350

Gross Yield2.80%

1y Growth-

3y Growth+3.9%

5y Growth+4.3%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST5 1QG

Approval Rate

-12mo

Development

low

26/00725/PLDLB
Application for certificate of lawfulness of proposed works to a listed building -The installation of one additional electrical socket in the existing basement to power a standalone chest freezer for the ground-floor grocery shop. The work is minor, reversible, and confined to the modern basement service area, with no structural alterations and no change to any historic fabric or to the external appearance of the building.
Pending
26/00479/NMA
Application for a non-material amendment relating to alterations to planning permission 26/00479/FUL - Alteration to design of combined Defibrillator and Bleed kit cabinet.
Pending
26/00726/ADV
Application for consent to display advertisements at 11 Lancaster Building, Newcastle-under-Lyme, ST5 1PG (Grade II listed, NHLE 1391417). The proposal is a non-illuminated vinyl fascia sign to the shopfront and non-illuminated vinyl graphics to the shop window.
Pending

View Planning Timeline