102A Cromwell Road, Grimsby, DN31 2DF

UPRN:11077569Mid Terrace Property1 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshRisk· 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

18 of 21 sources

Sale Estimate

£95,000

£90k - £100kHigh

Estimate

£95k

Range

£90k – £100k

Rent Estimate (pcm)

£750

£700 - £750

Monthly

£750

Yield

9.47%

Verdict

Derived from HomePortfolio scores

102A Cromwell Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (60/100). 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 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

67/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

60/ 100

Moderate

Transit & Bike

Transit 37Bike 76

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 edge0/15
claims [AVM +0.0% (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 Oct 2026
- valuation_snapshotsestimate for 11077569· as of 9 Oct 2026
Rental economics35.8/40
gross yield 9.5%; range width penalty ×1.00
- valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 9 Oct 2026· verify before relying on this
Stress margin2.7/30
stressed cash flow +20/mo, +3% 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: 1 price cut(s), 170 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 & liquidity14.5/15
148 sales/12mo in area; valuation range width 11%
- 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 £71,000

£71,000£109,000

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£95,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £199/mo
Cash on cash: 8.0%
Score at this price: 53

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.34 - 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 11077569Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 750/mo (range 700-750)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 170 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. Set your walk-away price before viewing - above £71,000 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£95,000

Rent Estimate (pcm)£750

Gross Yield9.47%

1y Growth-

3y Growth-1.0%

5y Growth+0.6%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1DN31 2DF

Approval Rate

-12mo

Development

low

DM/0685/25/CND
Details in Discharge of Conditions 5 (CMP), 7 (Demolition Method Statement), 9 (Contamination - Risk Assessment) and 23 (Piling) pursuant to DM/0979/22/FUL
Pending
DM/0829/26/DDD
Birch tree ( T61 of Order) leaning into adjacent birch: fell under the dangerous exemption
Pending
DM/0792/26/TPO
T1 Beech: Fell to ground level. Reason: The Beech tree is exhibiting signs of decline and has fruiting bodies of Meripilus giganteus, Giant Polypore, present at the base. This fungus is associated with significant root and butt decay, which can adversely affect tree stability. Given the species susceptibility to root plate failure when colonised by Meripilus, together with the trees proximity to a publicly accessible area, there are reasonable concerns regarding its structural integrity and ongoing retention. Removal is therefore proposed on arboricultural and public safety grounds. T2 Beech: No works required T3 Beech: Fell to ground level Reason: The Beech tree is exhibiting signs of decline and has fruiting bodies of Meripilus giganteus, Giant Polypore, present at the base. This fungus is associated with significant root and butt decay, which can adversely affect tree stability. Given the species susceptibility to root plate failure when colonised by Meripilus, together with the trees proximity to a publicly accessible area, there are reasonable concerns regarding its structural integrity and ongoing retention. Removal is therefore proposed on arboricultural and public safety grounds.
Pending

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