46 STIRLING STREET
Recent sale
£75k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
39 Stirling Street, Hartlepool, TS25 5AL
UPRN:100110029657Mid Terrace House3 bedsBuilt 1900-1929
FreeholdCouncil Tax: Band AEPC: D (66)
Data freshness:Listing· freshListing: fresh, refreshed yesterday (2026-10-23T04:00:04.135672+00:00)Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:26:35.709488+00:00)EPC· 5mo agoEPC: stale, refreshed 5mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 2y agoRisk: stale, refreshed 2y ago (2024-12-31T00:00:00+00:00)Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Valuation estimateUpdated yesterday
£61,000
Estimated value
Range: £58k - £64k|Last sold: £37k (2020-04-27)
Estimate of £61k for this mid terrace house. 443 sales in TS25 in the last 12 months; median £125k.
Estimate confidence
High confidence
Value History
Current estimate
£61k
£58k - £64k - High confidence
Annualised (CAGR)
-0.26%
Over the full window
Peak estimate
£77k
Aug 2025
From peak
-20.78%
Drawdown from peak
AVM estimate (model)Repeat-sales index - TS25 district (quarterly)index YoY -0.22%
Growth by window
3m
+1.67%
6m
-16.44%
12m
-17.57%
24m
-18.67%
60m
+3.39%
Rental Market
Estimated rent (pcm)
£500
/ month
Gross yield
10.00%
Rent ÷ asking price
Net yield
6.93%
Assumes ~31% running costs (not this property's)
Vacancy trend
12-month change
Market Metrics
Median Area Price
£125k
TS25 sales, last 12 months
12m Price Growth
+53.8%
TS25 median, Land Registry
Days on Market
101d
TS25 average
Sales & Yield
3 metricsTransactions / 12m
443
TS25 sales
Area Gross Yield
-
TS25 medians
Last Sold
£37k
2020-04-27
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£60,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£3,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£65,100
Funding
- Deposit (25%)£15,000
- Mortgage (75% LTV)£45,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£20,100
Monthly Returns
- Monthly Rent (estimate)£500
- Mortgage Payment (IO)-£197
- Management (10%)-£50
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£153
Capital Returns
- 5yr Property Value£74,986
- 5yr Capital Gain (4.56% pa, historical)+£14,986
- 5yr Cumulative Rent (net)+£22,104
- Less mortgage interest-£11,820
- 5yr Total Return+£25,270
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £62,736 | £17,736 | +£1,836 | +£4,572 | 22.7% |
| Year 2 | £65,597 | £20,597 | +£3,780 | +£9,377 | 46.7% |
| Year 3 | £68,588 | £23,588 | +£5,834 | +£14,422 | 71.8% |
| Year 4 | £71,716 | £26,716 | +£8,002 | +£19,717 | 98.1% |
| Year 5 | £74,986 | £29,986 | +£10,284 | +£25,270 | 125.7% |
Modelled on the live asking price. Capital growth 4.56% a year is the TS25 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. ROI is on cash required (£20,100).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
33 STIRLING STREET
Recent sale
£55k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
53 STIRLING STREET
Recent sale
£70k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
22 STIRLING STREET
Recent sale
£86k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£28,830
Median earnings (local authority)
Signal
1,354
Population
Signal
5.4%
Households Deprived