Highfield Cottage, Scalby, Scarborough, YO13 0PB

UPRN:200003338697Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (44)

Highfield Cottage, Scalby, Scarborough, YO13 0PB

HP Score

Not available

Verdict

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

Evidence

15 of 21 sources

Sale Estimate

£631,000

£505k - £757kLow

Estimate

£631k

Range

£505k – £757k

Rent Estimate (pcm)

£2,250

£2k - £3k

Monthly

£2,250

Yield

2.84%

Verdict

Derived from HomePortfolio scores

Highfield Cottage earns an INVESTIGATE rating; it has no HP Score yet. Walkability is limited (3/100). 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 addressWalk ScoreONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

3/ 100

Low

Transit & Bike

Transit 12Bike 26

Walk Score, out of 100

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 economics0/40
gross yield 2.8%; range width penalty ×0.76
- valuation_snapshotsrent estimate 2250/mo (range 2000-2500)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,484/mo, -110% 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 6 Nov 2026
Risk & liquidity0.3/15
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£950,000

At the asking price

Monthly rent£2,250/mo

Evidenced range £2,000-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£1,649/mo
Cash on cash: -6.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.70 - below 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 2250/mo (range 2000-2500)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 2250/mo (range 2000-2500)

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. 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£631,000

Rent Estimate (pcm)£2,250

Gross Yield2.84%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£395,000 (2011-07-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-YO13 0PB

Approval Rate

-12mo

Development

26/06650/PNG
Change of use of agricultural buildings to a light industrial use (Use Class E(g))
Pending
26/06011/TCON
(T1) - Sycamore - crown. (T2) - Yew - reduce by 1m (T3) - Holly - fell. (T4) - Holly - fell. (T5) - Holly - pollard. (T6) - Beech - carry out formative pruning. (T7) - Lawson cypress - deadwood. (T8) - Lawson cypress - fell. (T9) - Conifer remove
Approved
26/05396/FUL
Demolition of livery stables and erection of new dwelling.
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-07-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

30 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Scalby Academy
1.2 mi
Inspected as Scalby School (URN 121677) on 25 Apr 2012
Newby and Scalby Academy
1.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lindhead School
1.4 mi
Good
Barrowcliff School
1.7 mi
Good

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Highfield Farm Wrea Head
-
£863k
-
Highfield Cottage Wrea Head
-
£395k
-
Highbank Wrea Head
-
£300k
-
Highbank Wrea Head
-
£165k
-

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