36 Fernlea Close, Washington, NE38 8RR

UPRN:45012896Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band AEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£78,000

£74k - £81kHigh

Estimate

£78k

Range

£74k – £81k

Rent Estimate (pcm)

£450

£400 - £500

Monthly

£450

Yield

7.20%

Verdict

Derived from HomePortfolio scores

36 Fernlea Close earns an INVESTIGATE rating with HP Score 73/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is very low. Walkability is limited (19/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

75/ 100

High

Crime Score

9/ 100

Low

Walkability

19/ 100

Low

Transit & Bike

Transit 14Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM +3.9% (HIGH), sold-comps -7.1%, £/sqft -7.0%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 45012896· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.5%· as of 24 Oct 2026
Rental economics13.3/40
gross yield 7.2%; range width penalty ×0.76
- valuation_snapshotsrent estimate 450/mo (range 400-500)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -115/mo, -26% 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 30 Oct 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.8/15
282 sales/12mo in area; valuation range width 9%
- 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

£56,000£86,000

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£74,950

At the asking price

Monthly rent£450/mo

Evidenced range £400-£500

Interest rate5.4%

Loan to value75%

Cash required: £23,786
Net cash flow: £59/mo
Cash on cash: 3.0%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.78 - 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 45012896Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.5%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 450/mo (range 400-500)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 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
rent estimate 450/mo (range 400-500)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£78,000

Rent Estimate (pcm)£450

Gross Yield7.20%

1y Growth-

3y Growth+1.2%

5y Growth-0.7%

10y Growth+0.0%

Last Sold Price£85,000 (2006-12-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NE38 8RR

Approval Rate

-12mo

Development

low

26/02315/FUL
Installation of an Air Source Heat Pump
Pending
26/02265/FUL
Erection of a single storey extension to the rear.
Pending
26/02063/CLP
Certificate of lawfulness for the proposed erection of a single storey rear extension.
Approved

View Planning Timeline

Ownership

Corporate Ownership61.3%
Overseas OwnershipNo
Lease Term Remaining93 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2006-12-20
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£27,989

Population Density2,442 /km²

Owner Occupied87%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Fatfield Academy
0.2 mi
Good
St Robert of Newminster Catholic School and Sixth Form College, Washington
0.2 mi
Good
Biddick Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Columbia Grange School
0.6 mi
Inspected as Columbia Grange School (URN 134184) on 4 Mar 2020

4 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

33 Fernlea Close
-
£117k
-
5 Fernlea Close
-
£125k
-
64 Fernlea Close
-
£120k
-
61 Fernlea Close
-
£91k
-

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