63 Bargate, Lincoln, LN5 8DH

UPRN:235015264End Terrace House2 bedsBuilt before 1900

Tenure: -Council Tax: Band AEPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 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

17 of 21 sources

Sale Estimate

£139,000

£125k - £153kMedium

Estimate

£139k

Range

£125k – £153k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

6.95%

Verdict

Derived from HomePortfolio scores

63 Bargate earns an INVESTIGATE rating with HP Score 57/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (60/100). 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 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

83/ 100

Elevated

Walkability

60/ 100

Moderate

Transit & Bike

Transit 22Bike 64

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£95,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £60/mo
Cash on cash: 2.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.72 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£139,000

Rent Estimate (pcm)£550

Gross Yield6.95%

1y Growth+41.5%

3y Growth-0.3%

5y Growth-0.5%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LN5 8DH

Approval Rate

-12mo

Development

low

2026/0657/CLE
Continued use of property as a House in Multiple Occupation (Class C4). (Application for Certificate of Lawfulness).
Pending
2026/0653/HOU
Demolition of conservatories, erection of a two storey side and rear extension, single storey side and rear extension, first floor rear extension and associated alterations to dwelling together with alterations to accesses, boundary wall and garden.
Pending
2026/0638/FUL
Erection of 3 no. 2-bed dwellings.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,824

Population Density10,571 /km²

Owner Occupied34%

Age Distribution

0-15 12%16-64 78%65+ 10%

View Area Profile

Schools Nearby

Sir Francis Hill Community Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Lincoln St Peter at Gowts Church of England Primary School
0.5 mi
OutstandingImproving
The Priory Academy LSST
0.6 mi
Good
Athena School
0.6 mi
-

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

42 Bargate
-
£160k
-
55 Bargate
-
£145k
-
57 Bargate
-
£130k
-
46 Bargate
-
£75k
-

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