Christmas Cottage, Gunnerside, Richmond, DL11 6LE

UPRN:10034642080Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (44)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Christmas Cottage, Gunnerside, Richmond, DL11 6LE

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

£244,000

£232k - £256kHigh

Estimate

£244k

Range

£232k – £256k

Rent Estimate (pcm)

£700

£600 - £750

Monthly

£700

Yield

3.50%

Verdict

Derived from HomePortfolio scores

Christmas Cottage earns an INVESTIGATE rating with HP Score 64/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (26/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

5/ 100

Low

Walkability

26/ 100

Low

Transit & Bike

Transit 6Bike 11

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 10 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 +1.6% (HIGH), sold-comps +7.3%, £/sqft +7.3%] → 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 14 Nov 2026
- valuation_snapshotsestimate for 10034642080· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 18.3%· as of 12 Nov 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.77
- valuation_snapshotsrent estimate 700/mo (range 600-750)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -628/mo, -90% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 137 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 10 Nov 2026
Risk & liquidity14.7/15
58 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

£180,000£276,000

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£240,000

At the asking price

Monthly rent£700/mo

Evidenced range £600-£750

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: -£325/mo
Cash on cash: -5.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - below 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 10034642080Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 18.3%Valuation edge · as of 12 Nov 2026
valuation_snapshotsrent estimate 700/mo (range 600-750)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 700/mo (range 600-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 137 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£244,000

Rent Estimate (pcm)£700

Gross Yield3.50%

1y Growth-

3y Growth+1.2%

5y Growth+2.3%

10y Growth+3.4%

Last Sold Price£156,500 (2011-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DL11 6LE

Approval Rate

-12mo

Development

low

R/05/67H/LB
Listed building consent for erection of a stone boundary wall with pedestrian gates
Conditions
R/05/67G
Householder planning permission for erection of a stone boundary wall with pedestrian gates
Conditions
R/05/252A/MNR1
Non-material amendment to planning permission R/05/252A in respect of amendments to the proposed roofing material from cement board to a steel roof design with black box section roofing panels (to hold weight of solar panels without cracking)
Conditions

View Planning Timeline