132 Ella Street, Hull, HU5 3AX

UPRN:21033587Terrace Property3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£247,000

£235k - £260kHigh

Estimate

£247k

Range

£235k – £260k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

7.47%

Verdict

Derived from HomePortfolio scores

132 Ella Street earns an INVESTIGATE rating with HP Score 76/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (76/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

76/ 100

High

Transit & Bike

Transit 9Bike 79

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -0.8% (HIGH), sold-comps -0.8%, £/sqft -1.0%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 21033587· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%· as of 27 Oct 2026
Rental economics18.6/40
gross yield 7.5%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1550/mo (range 1450-1650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -41/mo, -3% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 197 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 4 Nov 2026
Risk & liquidity14.6/15
653 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

£187,000£286,500

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£249,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £78,480
Net cash flow: £233/mo
Cash on cash: 3.6%
Score at this price: 33

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.84 - 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 21033587Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1650)Rental economics · as of 12 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

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 1550/mo (range 1450-1650)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 197 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. 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£247,000

Rent Estimate (pcm)£1,550

Gross Yield7.47%

1y Growth-

3y Growth+0.5%

5y Growth+1.9%

10y Growth+2.6%

Last Sold Price£142,000 (2014-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HU5 3AX

Approval Rate

-12mo

Development

low

26/01045/TC
Fell x4 spruce trees in rear garden. (Works to trees in a Conservation Area)
Pending
26/01043/FULL
Internal and external alterations and proposed loft conversion to create additional living space, with rear facing dormer and roof lights.
Pending
26/01031/TC
1. Crown lift 2 x Sycamore trees (T1 and T2) to approx 7m to side of property 2. Prune back Cherry tree (T3) from property roof and strip 2m of ivy from trunk to rear garden 3. Remove dead Elderberry and 2 x Sycamore tree (G1) to side of property (Works to trees in a Conservation Area)
Pending

View Planning Timeline

Ownership

Corporate Ownership85%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,309

Population Density-

Owner Occupied66%

Age Distribution

0-15 17%16-64 71%65+ 12%

View Area Profile

Schools Nearby

Sidmouth Primary School
0.4 mi
Good
Froebel House School
0.5 mi
Requires improvement
St Vincent's Voluntary Catholic Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bricknell Primary School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

94 Ella Street
-
£203k
-
102 Ella Street
-
£210k
-
136 Ella Street
-
£260k
-
88 Ella Street
-
£140k
-

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