37 Guildford Street, Grimsby, DN32 7PL

UPRN:11051229Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (61)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£52,000

£49k - £54kHigh

Estimate

£52k

Range

£49k – £54k

Rent Estimate (pcm)

£400

£350 - £400

Monthly

£400

Yield

9.60%

Verdict

Derived from HomePortfolio scores

37 Guildford Street earns an INVESTIGATE rating with HP Score 51/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (73/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

51/ 100

Mixed

Investment Score

65/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

73/ 100

High

Transit & Bike

Transit 33Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 30 Oct 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge2.5/15
claims [AVM +3.8% (HIGH), sold-comps +7.4%, £/sqft +7.0%] → measured edge +0.50pp 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 Oct 2026
- valuation_snapshotsestimate for 11051229· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 9.2%· as of 23 Oct 2026
Rental economics35/40
gross yield 9.6%; range width penalty ×0.95
- valuation_snapshotsrent estimate 400/mo (range 350-400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -47/mo, -12% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 259 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 & liquidity14.7/15
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 sensitivity

£37,500£57,500

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£50,000

At the asking price

Monthly rent£400/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £16,300
Net cash flow: £108/mo
Cash on cash: 8.0%
Score at this price: 52

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.37 - 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 11051229Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 9.2%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 400/mo (range 350-400)Rental economics · as of 9 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

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 400/mo (range 350-400)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 259 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.
1 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£52,000

Rent Estimate (pcm)£400

Gross Yield9.60%

1y Growth-8.0%

3y Growth+0.4%

5y Growth-1.8%

10y Growth+0.9%

Last Sold Price£29,000 (2006-06-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DN32 7PL

Approval Rate

-12mo

Development

low

DM/0830/26/CND
Details in Discharge of Condition 4 (Finials) pursuant to DM/1060/25/FUL
Pending
DM/0752/26/CND
Details in discharge of Condition 3 (Flood Warning and Evacuation Plan) pursuant to DM/0529/26/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

Ownership

Corporate Ownership83.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-06-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,898

Population Density3,870 /km²

Owner Occupied15%

Age Distribution

0-15 22%16-64 62%65+ 16%

View Area Profile

Schools Nearby

Weelsby Academy
0.1 mi
Good
Saint Mary's Catholic Voluntary Academy
0.2 mi
GoodConcerns
Strand Primary Academy
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Special Educational Needs Support Service (Senss)
0.2 mi
-

0 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

47 Guildford Street
-
£46k
-
43 Guildford Street
-
£50k
-
31 Guildford Street
-
£80k
-
7 Guildford Street
-
£52k
-

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