4B St Pauls Court, St Paul's Street, Stockton-on-Tees, TS19 0AB

UPRN:10090293277Flat/Maisonette1 bedsBuilt 1976-1982

Tenure: -Council Tax: -EPC: C (69)

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

4B St Pauls Court, St Paul's Street, Stockton-on-Tees, TS19 0AB

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£36,000

£29k - £43kLow

Estimate

£36k

Range

£29k – £43k

Rent Estimate (pcm)

£250

£200 - £250

Monthly

£250

Yield

1.50%

Verdict

Derived from HomePortfolio scores

4B St Pauls Court earns an INVESTIGATE rating with HP Score 56/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (74/100). 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 NationsMarket 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 covenantsPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

86/ 100

Elevated

Walkability

74/ 100

High

Transit & Bike

Transit 25Bike 55

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 economics0/40
gross yield 1.5%; range width penalty ×0.80
- valuation_snapshotsrent estimate 250/mo (range 200-250)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -790/mo, -316% 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 4 Nov 2026
Risk & liquidity9.4/15
333 sales/12mo in area; valuation range width 39%
- 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£200,000

At the asking price

Monthly rent£250/mo

Evidenced range £200-£250

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: -£502/mo
Cash on cash: -9.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.37 - 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_snapshotsrent estimate 250/mo (range 200-250)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 250/mo (range 200-250)

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. 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£36,000

Rent Estimate (pcm)£250

Gross Yield1.50%

1y Growth-

3y Growth+0.0%

5y Growth+1.8%

10y Growth+1.9%

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

0TS19 0AB

Approval Rate

-12mo

Development

low

26/1961/TNOT
Notice under regulation 5 of electronic communications code regulations to remove 6no antennas, 1no equipment cabinet and installation of 6no new antennas and ancillary development thereto.
Pending
26/1919/PCBDH
Prior approval for a proposed change of use from offices space to 2no residential apartments (C3)
Pending
26/1720/ADV
Advertisement consent for 1no internally illuminated digital screen within shopfront window.
Conditions

View Planning Timeline

Ownership

Corporate Ownership71.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,877

Population Density2,898 /km²

Owner Occupied32%

Age Distribution

0-15 20%16-64 69%65+ 11%

View Area Profile

Schools Nearby

The Oak Tree Academy
0.1 mi
Good
St Bede's Catholic Academy
0.1 mi
Report card2025
Ofsted no longer awards a single overall grade.
Mill Lane Primary School
0.4 mi
Good
Oxbridge Lane Primary School
0.6 mi
Inspected as Oxbridge Lane Primary School (URN 111644) on 15 Sep 2021

2 of 14 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