Flat, 24 High Street, Tow Law, DL13 4DL

UPRN:10093044452TerracedBeds -Built -

FreeholdCouncil Tax: Band BEPC: -

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£105,000

£84k - £126kLow

Estimate

£105k

Range

£84k – £126k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

6.72%

Verdict

Derived from HomePortfolio scores

Flat earns an INVESTIGATE rating with HP Score 66/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (45/100). 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 SourcesPortal listingsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

45/ 100

Mixed

Transit & Bike

Transit 14Bike 23

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 economics12.6/40
gross yield 6.7%; range width penalty ×0.91
- valuation_snapshotsrent estimate 700/mo (range 650-750)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -143/mo, -20% 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 2 Nov 2026
Risk & liquidity9.2/15
158 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£124,950

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £38,786
Net cash flow: £63/mo
Cash on cash: 1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - 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 700/mo (range 650-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 700/mo (range 650-750)

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.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£105,000

Rent Estimate (pcm)£700

Gross Yield6.72%

1y Growth-25.2%

3y Growth+1.1%

5y Growth+1.2%

10y Growth+3.5%

Last Sold Price£55,000 (1999-08-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DL13 4DL

Approval Rate

-12mo

Development

low

DM/26/02436/DRC
Discharge of Condition 5 (Contamination Scheme) pursuant to approval ref DM/25/00678/FPA
Pending
DM/26/02221/FPA
Retrospective application to retain InPost Parcel Locker to front of building
Pending
DM/26/02212/FPA
(Retrospective) Demolition of 3 storey derelict workshop and erection of new build annex building
Approved

View Planning Timeline

Ownership

Corporate Ownership87.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-08-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,718

Population Density-

Owner Occupied63%

Age Distribution

0-15 14%16-64 62%65+ 24%

View Area Profile

Schools Nearby

Tow Law Millennium Primary School
0.2 mi
Good
Blessed John Duckett Catholic Primary School, Tow Law
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Wolsingham Primary School
2.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Peases West Academy
2.7 mi
Inspected as Peases West Primary School (URN 114058) on 18 Apr 2023

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12A High Street
-
£65k
-
18 High Street
-
£67k
-
2A High Street
-
£90k
-
21A High Street
-
£70k
-

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