Overdale, Loaning Head, Garrigill, Alston, CA9 3EY

UPRN:10070524764Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (55)

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

Overdale, Loaning Head, Garrigill, Alston, CA9 3EY

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£221,000

£177k - £266kLow

Estimate

£221k

Range

£177k – £266k

Rent Estimate (pcm)

£650

£550 - £700

Monthly

£650

Yield

4.00%

Verdict

Derived from HomePortfolio scores

Overdale earns an INVESTIGATE rating with HP Score 51/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (9/100). 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 listingsMarket 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

51/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

9/ 100

Low

Transit & Bike

Transit 20Bike 42

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - 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£195,000

At the asking price

Monthly rent£650/mo

Evidenced range £550-£700

Interest rate5.4%

Loan to value75%

Cash required: £61,200
Net cash flow: -£208/mo
Cash on cash: -4.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - 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£221,000

Rent Estimate (pcm)£650

Gross Yield4.00%

1y Growth-

3y Growth+16.7%

5y Growth+7.4%

10y Growth+5.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

2CA9 3EY

Approval Rate

100%12mo

Development

low

2026/1865/TCA
Notification under Section 211 for works to trees in a conservation area 3 x Spruce crown lift to above roof line by at least 1m clearance.
Pending
2026/1196/NMA
Non material amendment for Addition of window to the eastern elevation attached to 2025/2245/HOU
Approved
2026/0250/TCA
S211 Conservation Area tree works notification: T1 Ash - fell. T2,T3 & T4 Sycamore - crown lift by 12ft. T5 & T6 Elder - fell. T7 Ash - deadwood.
Approved

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,988

Population Density13 /km²

Owner Occupied71%

Age Distribution

0-15 13%16-64 61%65+ 26%

View Area Profile

Schools Nearby

Nenthead Primary School
2.3 mi
Good
Samuel King's School
3.4 mi
Good
Alston Primary School
3.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Wearhead Primary School
7.0 mi
-

0 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Loaning Head
-
£246k
-
Loaning Head
-
£295k
-
Loaning Head
-
£188k
-
Loaning Head
-
£170k
-

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