3 Park Lane, Swanland, North Ferriby, HU14 3NX

UPRN:10091014219Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band HEPC: C (79)

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

3 Park Lane, Swanland, North Ferriby, HU14 3NX

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£1,492,000

£1.42M - £1.57MHigh

Estimate

£1.49M

Range

£1.42M – £1.57M

Rent Estimate (pcm)

£5,000

£4k - £6k

Monthly

£5,000

Yield

4.00%

Verdict

Derived from HomePortfolio scores

3 Park Lane earns an INVESTIGATE rating with HP Score 70/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (35/100). 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)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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

35/ 100

Mixed

Transit & Bike

Transit 8Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM -0.5% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10091014219· as of 9 Nov 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.74
- valuation_snapshotsrent estimate 5000/mo (range 4450-5600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,783/mo, -56% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 568 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 6 Nov 2026
Risk & liquidity14.6/15
90 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

£1,125,000£1,725,000

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£1,500,000

At the asking price

Monthly rent£5,000/mo

Evidenced range £4,450-£5,600

Interest rate5.4%

Loan to value75%

Cash required: £545,050
Net cash flow: -£1,601/mo
Cash on cash: -3.5%
Score at this price: 15

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.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10091014219Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 5000/mo (range 4450-5600)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 5000/mo (range 4450-5600)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 568 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
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£1,492,000

Rent Estimate (pcm)£5,000

Gross Yield4.00%

1y Growth-

3y Growth-0.9%

5y Growth-0.6%

10y Growth+1.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0HU14 3NX

Approval Rate

-12mo

Development

low

26/03015/TPO
TPO - WEST END, SWANLAND NO. 2 - 1989 (REF 166) G1 - SWANLAND CONSERVATION AREA - Crown reduce 1no. Beech tree (T1) by 3.5m to western canopy (as illustrated) to reduce debris falling on cars and relieve end weight from limbs; Fell 1no. Sycamore tree (T2) as it is very close to a highway and is in decline, dropping significant deadwood which has come close to residents; Crown lift 1no. Sycamore tree (T3) via removal of lower limb and crown reduce via removal of two extensive limbs (as illustrated)that would become vulnerable after removal of neighbouring tree
Pending
26/02789/PLF
Erection of two storey extension to rear and first floor extension to side
Pending
26/02648/PLF
Erection of a dwelling and construction of raised patio following demolition of existing dwelling, garage and outbuildings
Pending

View Planning Timeline

Ownership

Corporate Ownership74.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

24 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,881

Population Density345 /km²

Owner Occupied92%

Age Distribution

0-15 17%16-64 53%65+ 30%

View Area Profile

Schools Nearby

Swanland Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
North Ferriby Church of England Voluntary Controlled Primary School
1.0 mi
GoodConcerns
South Hunsley School and Sixth Form College
1.7 mi
Good
Hessle High School and Penshurst Primary School
1.9 mi
Good

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

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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