229 Stanley Street, Grimsby, DN32 7LQ

UPRN:11042440End Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: E (51)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 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

19 of 21 sources

Sale Estimate

£90,000

£85k - £94kHigh

Estimate

£90k

Range

£85k – £94k

Rent Estimate (pcm)

£650

£650 - £700

Monthly

£650

Yield

7.43%

Verdict

Derived from HomePortfolio scores

229 Stanley Street earns an INVESTIGATE rating with HP Score 65/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (81/100). 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.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

58/ 100

Elevated

Walkability

81/ 100

High

Transit & Bike

Transit 33Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 30 Oct 2026

Every component scored, and three or more independent sources agree.

Valuation edge0.9/15
claims [AVM -16.7% (HIGH), sold-comps +30.5%, £/sqft +30.6%] → measured edge +0.17pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 11042440· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24%· as of 4 Nov 2026
Rental economics37.3/40
gross yield 9.7% on contractual rent (listing-disclosed tenancy); contractual 910/mo far above the 650/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 910/mo (tenanted)· as of 30 Oct 2026· verify before relying on this
Stress margin5.7/30
stressed cash flow +48/mo, +6% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 7 price cut(s), 362 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 30 Oct 2026
Risk & liquidity14.6/15
383 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 sensitivityScores 70+ up to £89,000

£79,000£120,500

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£105,000

At the asking price

Monthly rent£650/mo

Evidenced range £650-£700

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: £96/mo
Cash on cash: 3.5%
Score at this price: 58

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.83 - 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_snapshotsestimate for 11042440Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24%Valuation edge · as of 4 Nov 2026
listing_factscontractual rent 910/mo (tenanted)Rental economics · as of 30 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
contractual rent 910/mo (tenanted)
Seller motivation could not be scored
context, not scored: 7 price cut(s), 362 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 →flood, subsidence, crime, environment - the full domain

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.
7 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £89,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.

Valuation & Market

Sale Estimate£90,000

Rent Estimate (pcm)£650

Gross Yield7.43%

1y Growth-

3y Growth+0.4%

5y Growth-1.8%

10y Growth+0.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DN32 7LQ

Approval Rate

-12mo

Development

low

DM/0830/26/CND
Details in Discharge of Condition 4 (Finials) pursuant to DM/1060/25/FUL
Pending
DM/0802/26/CND
Details in Discharge of Condition 3 (Flood Evacuation Plan) pursuant to DM/0129/26/FUL
Pending
DM/0658/26/FUL
Partial change of use to ground floor rear and first floor to provide three bedrooms for short-term holiday accommodation, with retained residential occupation by the applicant for management purposes.
Pending

View Planning Timeline