20 Stirling Close, Sunderland, SR4 8RT

UPRN:45140950Detached HouseBeds -Built 2003-2006

LeaseholdCouncil Tax: Band DEPC: C (72)

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

today

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

Evidence

19 of 21 sources

Sale Estimate

£337,000

£320k - £354kHigh

Estimate

£337k

Range

£320k – £354k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

8.19%

Verdict

Derived from HomePortfolio scores

20 Stirling Close earns an INVESTIGATE rating with HP Score 69/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is limited (53/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

74/ 100

High

Crime Score

42/ 100

Elevated

Walkability

53/ 100

Moderate

Transit & Bike

Transit 37Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 5 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +6.5% (HIGH)] → 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 13 Oct 2026
- valuation_snapshotsestimate for 45140950· as of 13 Oct 2026
Rental economics24.7/40
gross yield 8.2%; range width penalty ×0.97
- valuation_snapshotsrent estimate 2150/mo (range 2000-2250)· as of 13 Oct 2026· verify before relying on this
Stress margin5.6/30
stressed cash flow +121/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 71 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 5 Nov 2026
Risk & liquidity14.6/15
446 sales/12mo in area; valuation range width 10%
- 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 sensitivityScores 70+ up to £252,000

£236,000£362,000

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£315,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £2,000-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £425/mo
Cash on cash: 5.0%
Score at this price: 45

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.02 - 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 45140950Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 2000-2250)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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
rent estimate 2150/mo (range 2000-2250)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £252,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£337,000

Rent Estimate (pcm)£2,150

Gross Yield8.19%

1y Growth-

3y Growth+3.9%

5y Growth+3.7%

10y Growth+2.3%

Last Sold Price£199,000 (2005-01-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SR4 8RT

Approval Rate

-12mo

Development

low

26/02269/FUL
Erection of a single storey extension to rear (Retrospective)
Pending
26/02198/DIS
Discharge of Condition 4 - (fixed plant - prior occupation) attached to 23/02498/LP3. Part 1 of 3.
Pending
26/02237/DIS
Discharge of condition 11 (lighting design pre occupation) attached to 23/02498/LP3. Part 3 of 3.
Pending

View Planning Timeline

Ownership

Corporate Ownership81.6%
Overseas OwnershipNo
Lease Term Remaining75 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-01-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,989

Population Density4,917 /km²

Owner Occupied55%

Age Distribution

0-15 18%16-64 65%65+ 17%

View Area Profile

Schools Nearby

St Cuthbert's Catholic Primary School, Sunderland
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Sandhill View Academy
0.3 mi
Report card2025
Ofsted no longer awards a single overall grade.
Broadway Junior School
0.3 mi
Good
The Link School
0.3 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

32 Stirling Close
-
£330k
-
3 Stirling Close
-
£6k
-
14 Stirling Close
-
£6k
-
14 Stirling Close
-
£275k
-

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