Holystone, Side Lane, Hepscott, Morpeth, NE61 6NA

UPRN:2920006171Detached Bungalow2 bedsBuilt 2003-2006

FreeholdCouncil Tax: -EPC: C (74)

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

Holystone, Side Lane, Hepscott, Morpeth, NE61 6NA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£550,000

£440k - £660kLow

Estimate

£550k

Range

£440k – £660k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

5.73%

Verdict

Derived from HomePortfolio scores

Holystone earns an INVESTIGATE rating with HP Score 64/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 3Bike 12

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 economics4.6/40
gross yield 5.7%; range width penalty ×0.78; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2150/mo (range 1900-2350)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -448/mo, -21% 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
Risk & liquidity9.2/15
495 sales/12mo in area; 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£450,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,900-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£30/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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_snapshotsrent estimate 2150/mo (range 1900-2350)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 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
property_intelligencetransactions_12moRisk & liquidity

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 2150/mo (range 1900-2350)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£550,000

Rent Estimate (pcm)£2,150

Gross Yield5.73%

1y Growth-

3y Growth+3.7%

5y Growth+3.0%

10y Growth+2.4%

Last Sold Price£249,900 (2005-04-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0NE61 6NA

Approval Rate

-12mo

Development

low

26/03808/FELTPO
Tree Preservation Order Application: T1 Sycamore - Reduction of approx 2m back to suitable growth points, T2 Spruce - Remove, T3 Small Spruce - Remove, T4 Ash - As a mimum the deadwood should be removed, with the possibility of removing the tree due to having Ash Dieback, T5 Ash - Removal of dead branch
Pending
26/03719/PRUTPO
Tree Preservation Order Application: T11, T13, T15 and T16 Beech - crown reduce from 21m to 16m - trees exceeding acceptable heights as garden trees, vulnerable to windthrow and a risk to persons and properties at their current size. T12 Horse Chestnut - reduce to a monolith at 6m. Tree is suffering from Honey Fungus and should be brought down to a safe height to naturally decay.
Pending
26/03670/FELTPO
Tree Preservation Order Application: T36 Beech - crown reduce from 21m to 16m, T22 Sycamore - reduce from 19m to 14m, T24 Lime - remove due to poor form and low aesthetic value. Replant with Hornbeam.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-04-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density173 /km²

Owner Occupied83%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

Collingwood School & Media Arts College
1.0 mi
Good
Morpeth Stobhillgate First School
1.0 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Kyloe House
1.3 mi
-
Morpeth First School
1.4 mi
Good

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

View All Schools

Comparables

View All

2 Field House Cottages
-
£130k
-
Holystone
-
£250k
-
Holystone
-
£175k
-
Holystone
-
£160k
-

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