24 Elm Tree Court, King Street, Cottingham, HU16 5PZ

UPRN:200000623773Flat/Maisonette2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band BEPC: B (81)

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

24 Elm Tree Court, King Street, Cottingham, HU16 5PZ

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

£125,000

£119k - £132kHigh

Estimate

£125k

Range

£119k – £132k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

6.86%

Verdict

Derived from HomePortfolio scores

24 Elm Tree Court earns an INVESTIGATE rating with HP Score 72/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (74/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

74/ 100

High

Transit & Bike

Transit 27Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 31 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +2.0% (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 200000623773· as of 9 Oct 2026
Rental economics13.6/40
gross yield 6.9%; range width penalty ×0.91
- valuation_snapshotsrent estimate 700/mo (range 650-750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -132/mo, -19% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 31 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 246 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 31 Oct 2026
Risk & liquidity14.6/15
190 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

£92,000£141,000

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£122,500

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £38,050
Net cash flow: £71/mo
Cash on cash: 2.2%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - 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 200000623773Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 650-750)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 31 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 31 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 700/mo (range 650-750)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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.
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£125,000

Rent Estimate (pcm)£700

Gross Yield6.86%

1y Growth+4.8%

3y Growth+1.4%

5y Growth+2.6%

10y Growth+2.8%

Last Sold Price£37,000 (1996-03-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HU16 5PZ

Approval Rate

-12mo

Development

low

26/11242/HHNOT
Erection of a single storey extension to rear extending 4.39m beyond the rear wall of the original house, maximum height 3.9m high and 2.9m to eaves
Pending
26/02834/TCA
COTTINGHAM CONSERVATION AREA - Crown lift 1 no. Sycamore tree to 7-8 metres as illustrated to allow more light and provide the tree with a more balanced canopy, and crown reduce 1 no. limb as illustrated back to the tree's natural canopy shape as the limb is leaning towards the property roof
Pending
26/02802/TCA
COTTINGHAM CONSERVATION AREA - Remove 2 no. Cypress trees (3 & 4) as they very invasive and dominate the area in terms of space, light and ground moisture
Pending

View Planning Timeline

Ownership

Corporate Ownership72.1%
Overseas OwnershipNo
Lease Term Remaining167 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1996-03-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

24 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,881

Population Density3,884 /km²

Owner Occupied62%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Hallgate Primary School Cottingham
0.2 mi
Good
Bacon Garth Primary School
0.2 mi
Good
Westfield Primary School
0.4 mi
Good
Cottingham High School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

26 Elm Tree Court
-
£115k
-
19 Elm Tree Court
-
£112k
-
20 Elm Tree Court
-
£129k
-
6 Elm Tree Court
-
£105k
-

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