28 Cross Street, Cleethorpes, DN35 8JW

UPRN:10090080430-Beds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£165,000

£132k - £198kLow

Estimate

£165k

Range

£132k – £198k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

14.00%

Verdict

Derived from HomePortfolio scores

28 Cross Street earns an INVESTIGATE rating with HP Score 63/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (89/100). 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 covenantsPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

71/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 34Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics40/40
gross yield 14.0%; range width penalty ×1.00; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1050/mo (range 1000-1100)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin25/30
stressed cash flow +262/mo, +25% 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
Risk & liquidity9.2/15
438 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£89,990

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £28,298
Net cash flow: £423/mo
Cash on cash: 17.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.46 - 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_snapshotsrent estimate 1050/mo (range 1000-1100)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 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
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1050/mo (range 1000-1100)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£165,000

Rent Estimate (pcm)£1,050

Gross Yield14.00%

1y Growth-

3y Growth+0.5%

5y Growth+0.0%

10y Growth+1.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DN35 8JW

Approval Rate

-12mo

Development

low

DM/0841/26/CND
Details in Discharge of Conditions 4 (Construction Traffic Management Plan), Condition 6 (Site Charactersation), Condition 7 (Remediation Scheme), Condition 8 (Implementation of Remediation), Condition 10 (Reinstatement of Footway), Condition 12 (Surface Water Drainage) and Condition 13 (Archaeological Work) pursuant to DM/1155/23/FUL
Pending
DM/0799/26/CND
Details in Discharge of Condition 7 (Materials) pursuant to DM/0900/23/FUL
Pending
DM/0657/26/LBC
Listed Building Consent to repaint shop frontage and installation of lettering to the inner glass of the existing display windows and entrance doors
Pending

View Planning Timeline

Ownership

Corporate Ownership83.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
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£28,898

Population Density4,108 /km²

Owner Occupied49%

Age Distribution

0-15 17%16-64 67%65+ 16%

View Area Profile

Schools Nearby

Reynolds Primary Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Peter's CofE Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Thrunscoe Primary and Nursery Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Elliston Primary Academy
0.6 mi
Inspected as Elliston Primary School (URN 131700) on 13 Nov 2013

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

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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