92 High Street, Coldstream, TD12 4AG

UPRN:116011518Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: -EPC: E (44)

HP Score

Not available

Verdict

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

Evidence

7 of 21 sources

Sale Estimate

£216,000

£173k - £260kLow

Estimate

£216k

Range

£173k – £260k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

12.55%

Verdict

Derived from HomePortfolio scores

92 High Street earns an INVESTIGATE rating; it has no HP Score yet. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)PlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

No data

Transit & Bike

No data

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 economics37.6/40
gross yield 12.5%; range width penalty ×0.94; the estimate this rent rides on sits 49% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1150/mo (range 1050-1200)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 49% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin21.8/30
stressed cash flow +251/mo, +22% 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 4 Nov 2026
Risk & liquidity0.2/15
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£110,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £425/mo
Cash on cash: 14.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.10 - 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 1150/mo (range 1050-1200)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 49% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1150/mo (range 1050-1200)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£216,000

Rent Estimate (pcm)£1,150

Gross Yield12.55%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-TD12 4AG

Approval Rate

-12mo

Development

26/01370/FUL
Change of use of land to commercial storage and erection of fence compound (renewal of planning permissions 21/01060/FUL)
Pending
26/00404/LBC
Installation of through floor lift
Conditions
26/00225/FUL
Change of use of shop to incorporate into existing flat
Conditions

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
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-

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Norham St Ceolwulfs CofE Controlled Primary School
5.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ford Castle Residential Centre
6.5 mi
-
Hugh Joicey Church of England Primary School, Ford
6.7 mi
GoodConcerns
Longridge Towers School
9.5 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