2–3 Petchs Cottages, Liverton Road, Liverton, Saltburn-by-the-Sea, TS13 4TD

UPRN:10034528327Terraced Bungalow4 bedsBuilt 2026

FreeholdCouncil Tax: -EPC: F (38)

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

2–3 Petchs Cottages, Liverton Road, Liverton, Saltburn-by-the-Sea, TS13 4TD

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£355,000

£320k - £391kMedium

Estimate

£355k

Range

£320k – £391k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

12.00%

Verdict

Derived from HomePortfolio scores

2–3 Petchs Cottages earns an INVESTIGATE rating with HP Score 61/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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

61/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 4Bike 19

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

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

Check before relying on this score: the estimate sits 30% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +29.6% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Aug 2026
- valuation_snapshotsestimate for 10034528327· as of 12 Aug 2026
Rental economics40/40
gross yield 12.0%; range width penalty ×1.00; the estimate this rent rides on sits 30% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2500/mo (range 2400-2650)· as of 12 Aug 2026· verify before relying on this
- valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this home· as of 12 Aug 2026· verify before relying on this
Stress margin26.1/30
stressed cash flow +653/mo, +26% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 117 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 5 Nov 2026
Risk & liquidity12.8/15
104 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 80+ up to £244,000

£187,500£287,500

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£250,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,400-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £887/mo
Cash on cash: 13.5%
Score at this price: 79

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.96 - 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 10034528327Valuation edge · as of 12 Aug 2026
valuation_snapshotsrent estimate 2500/mo (range 2400-2650)Rental economics · as of 12 Aug 2026 · verify before relying on this
valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Aug 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 2500/mo (range 2400-2650)
Rental economics needs verification before you rely on it
sale estimate 30% above the ask on the same snapshot - verify the rent describes this home

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £244,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£355,000

Rent Estimate (pcm)£2,500

Gross Yield12.00%

1y Growth+3.5%

3y Growth+0.9%

5y Growth-1.1%

10y Growth+1.9%

Last Sold Price£155,500 (2025-07-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TS13 4TD

Approval Rate

-12mo

Development

low

R/2026/0569/CD
Discharge of condition 3 (Method Statement) of Listed Building Consent R/2023/0210/LB for conversion of former barn building to provide a single dwelling including rooflights to create accommodation at first floor
Conditions
R/2026/0527/TC
Removal of blackthorn hedge specimen N13
Approved
R/2026/0463/CD
Discharge of conditions 3 (conservatory details) and 4 (external materials) on planning approval R/2025/0003/CA for first floor extensions to form two storey extensions at side and rear, single storey orangery extension at side, demolition of existing detached garage to be replaced with new detached...
Conditions

View Planning Timeline

Ownership

Corporate Ownership85%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-07-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,630

Population Density-

Owner Occupied77%

Age Distribution

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

View Area Profile

Schools Nearby

Saint Joseph's Catholic Primary School, A Catholic Voluntary Academy
1.2 mi
Inspected as Saint Joseph's Roman Catholic Primary School (URN 111680) on 27 Mar 2014
Old Farm School
1.2 mi
Good
Handale Primary School
1.5 mi
Inspected as Handale Primary School (URN 131645) on 11 Feb 2020
Hummersea Primary School
1.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

3 Petchs Cottages
-
£156k
-
2 - 3 Petchs Cottages
-
£156k
-
4 Petchs Cottages
-
£285k
-
1 Petchs Cottages
-
£88k
-

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