39 Cotterdale, Hull, HU7 4AA

UPRN:21025449Semi-Detached House3 bedsBuilt -

FreeholdCouncil Tax: Band BEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£131,000

£124k - £137kHigh

Estimate

£131k

Range

£124k – £137k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

7.20%

Verdict

Derived from HomePortfolio scores

39 Cotterdale earns an INVESTIGATE rating with HP Score 73/100. Investment score 50/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (55/100). 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 NationsMarket 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

73/ 100

Mixed

Investment Score

50/ 100

Mixed

Crime Score

9/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 21Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

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

Valuation edge2.5/15
claims [AVM +4.6% (HIGH), sold-comps +34.2%, £/sqft +34.3%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 21025449· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 14.4%· as of 1 Nov 2026
Rental economics16.4/40
gross yield 7.2%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -106/mo, -14% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 135 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 2 Nov 2026
Risk & liquidity14.7/15
481 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £97/mo
Cash on cash: 3.0%
Score at this price: 34

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.78 - 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 21025449Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 14.4%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 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 750/mo (range 700-800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 135 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. 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£131,000

Rent Estimate (pcm)£750

Gross Yield7.20%

1y Growth-

3y Growth-0.4%

5y Growth+0.3%

10y Growth+2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HU7 4AA

Approval Rate

-12mo

Development

low

26/00993/CONDET
Discharge of conditions for 25/00891/S73 - Variation of conditions 1 (approved plans), 3 (Fume equipment), 10 (Motor cycle parking) , 13 (Tree protection), 15 (Flood Risk and Drainage) , 16 (Drainage Maintenance), 18 (Finished Floor Level), 19 (Flood Emergency Plan), 20 (Travel Plan) and 21 (Contamination) of 24/00554/FULL - Erection of a drive-thru restaurant (Use Class E/Sui Generis) with associated access, servicing, car parking, landscaping and other associated works following demolition of existing bingo hall - conditions 17
Pending
26/00921/CONDET
Discharge of conditions for 25/00891/S73 - Variation of conditions 1 (approved plans), 3 (Fume equipment), 10 (Motor cycle parking) , 13 (Tree protection), 15 (Flood Risk and Drainage) , 16 (Drainage Maintenance), 18 (Finished Floor Level), 19 (Flood Emergency Plan), 20 (Travel Plan) and 21 (Contamination) of 24/00554/FULL - Erection of a drive-thru restaurant (Use Class E/Sui Generis) with associated access, servicing, car parking, landscaping and other associated works following demolition of existing bingo hall - condition 25
Pending
26/00902/TCWRKS
Urgent request to fell willow tree covered by TPO 170 because it has died
Approved

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,309

Population Density-

Owner Occupied87%

Age Distribution

0-15 14%16-64 58%65+ 28%

View Area Profile

Schools Nearby

St Andrew's Church of England Primary Academy
0.1 mi
Inspected as St Andrew's Church of England Voluntary Aided Primary School (URN 118051) on 21 May 2024
Sutton Park Primary School
0.3 mi
Good
St Mary Queen of Martyrs VC Academy
0.5 mi
Good
Bude Park Primary School
0.6 mi
Good

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

57 Cotterdale
-
£150k
-
13 Cotterdale
-
£132k
-
1 Cotterdale
-
£92k
-
81 Cotterdale
-
£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