2 Courtyard Gardens, Wark, Cornhill-on-Tweed, TD12 4FH

UPRN:10094016699Detached House4 bedsBuilt 2026

FreeholdCouncil Tax: -EPC: A (113)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

2 Courtyard Gardens, Wark, Cornhill-on-Tweed, TD12 4FH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

12 of 21 sources

Sale Estimate

£509,000

£407k - £611kLow

Estimate

£509k

Range

£407k – £611k

Rent Estimate (pcm)

£1,000

£800 - £1k

Monthly

£1,000

Yield

1.73%

Verdict

Derived from HomePortfolio scores

2 Courtyard Gardens earns an INVESTIGATE rating with HP Score 51/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

51/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 3Bike 31

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 1.7%; range width penalty ×0.40
- valuation_snapshotsrent estimate 1000/mo (range 800-1200)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,327/mo, -233% 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 11 Nov 2026
Risk & liquidity3.5/15
9 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£695,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £800-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£1,653/mo
Cash on cash: -8.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.43 - 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 1000/mo (range 800-1200)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 1000/mo (range 800-1200)

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£509,000

Rent Estimate (pcm)£1,000

Gross Yield1.73%

1y Growth-

3y Growth-3.0%

5y Growth+0.8%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TD12 4FH

Approval Rate

-12mo

Development

low

26/03015/FUL
Construction of a single storey building for use as village hall for the local and surrounding community.
Pending
24/01214/FUL
Change of Use of 7 no. Touring Caravan Pitches to form 6 no. Serviced Glamping Pitches
Conditions

View Planning Timeline

Ownership

Corporate Ownership66.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
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£30,456

Population Density4 /km²

Owner Occupied48%

Age Distribution

0-15 13%16-64 57%65+ 30%

View Area Profile

Schools Nearby

Norham St Ceolwulfs CofE Controlled Primary School
7.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ford Castle Residential Centre
7.5 mi
-
Hugh Joicey Church of England Primary School, Ford
7.7 mi
GoodConcerns
Longridge Towers School
10.9 mi
Inspected by ISI

0 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