36 Cross Street, Lincoln, LN5 7LS

UPRN:235024178Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (72)

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

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£131,000

£118k - £144kMedium

Estimate

£131k

Range

£118k – £144k

Rent Estimate (pcm)

£500

£450 - £550

Monthly

£500

Yield

4.29%

Verdict

Derived from HomePortfolio scores

36 Cross Street earns an INVESTIGATE rating with HP Score 85/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (90/100). 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

85/ 100

Strong

Investment Score

75/ 100

High

Crime Score

15/ 100

Low

Walkability

90/ 100

Excellent

Transit & Bike

Transit 35Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -6.9% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 235024178· as of 12 Oct 2026
Rental economics4.6/40
gross yield 5.6% on contractual rent (listing-disclosed tenancy); contractual 1300/mo far above the 500/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1300/mo (tenanted)· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -243/mo, -37% 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), 35 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 & liquidity12.9/15
423 sales/12mo in area; valuation range width 20%
- 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

£105,000£161,000

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£140,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£550

Interest rate5.4%

Loan to value75%

Cash required: £43,600
Net cash flow: -£126/mo
Cash on cash: -3.5%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - 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_snapshotsestimate for 235024178Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 1300/mo (tenanted)Rental economics · as of 2 Nov 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
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
contractual rent 1300/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 35 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. 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)£500

Gross Yield4.29%

1y Growth-

3y Growth-0.3%

5y Growth-0.5%

10y Growth+2.6%

Last Sold Price£110,000 (2017-12-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LN5 7LS

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
2026/0655/RD
Submission of details to discharge conditions 3 (noise impact assessment), 4 (external materials), 5 (foundation design), 6 and 7 (archaeology) of planning permission 2026/0272/FUL.
Pending
2026/0614/TCO
T1 and T2 (Lime) Reduce height by a maximum of 5 metres / Reduce canopy away from the building; to previous reduction points. T3 (Lime) Reduce height by a maximum of 5 metres / Reduce canopy overhanging the carpark to provide a maximum clearance of 1 metre. T5 Sorbus. Reduce the canopy overhanging the property boundary to provide a maximum of 1 metres clearance.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-12-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,824

Population Density18,277 /km²

Owner Occupied25%

Age Distribution

0-15 17%16-64 77%65+ 6%

View Area Profile

Schools Nearby

The Lincoln St Peter at Gowts Church of England Primary School
0.2 mi
OutstandingImproving
The Lincoln Bishop King Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Athena School
0.4 mi
-
University of Lincoln
0.5 mi
-

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

40 Cross Street
-
£104k
-
57 Cross Street
-
£72k
-
55 Cross Street
-
£100k
-
42 Cross Street
-
£117k
-

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