25 Eskdale Terrace, Whitley Bay, NE26 2PJ

UPRN:47033244Purpose Built Flat2 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band AEPC: C (75)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

25 Eskdale Terrace, Whitley Bay, NE26 2PJ

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£225,000

£214k - £237kHigh

Estimate

£225k

Range

£214k – £237k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.13%

Verdict

Derived from HomePortfolio scores

25 Eskdale Terrace earns an INVESTIGATE rating with HP Score 84/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (84/100). 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

84/ 100

Strong

Investment Score

75/ 100

High

Crime Score

16/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 39Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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 edge2.5/15
claims [AVM +0.0% (HIGH), sold-comps +6.6%, £/sqft +6.8%] → measured edge +0.50pp 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 10 Oct 2026
- valuation_snapshotsestimate for 47033244· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 21.7%· as of 19 Oct 2026
Rental economics8.5/40
gross yield 6.1%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1150/mo (range 1100-1250)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -234/mo, -20% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
171 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 sensitivity

£169,000£258,500

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£225,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £70,800
Net cash flow: £37/mo
Cash on cash: 0.6%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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 47033244Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 21.7%Valuation edge · as of 19 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1250)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
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
Rental economics needs verification before you rely on it
rent estimate 1150/mo (range 1100-1250)
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. 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£225,000

Rent Estimate (pcm)£1,150

Gross Yield6.13%

1y Growth-26.4%

3y Growth+6.3%

5y Growth+4.5%

10y Growth+4.8%

Last Sold Price£149,950 (2015-11-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NE26 2PJ

Approval Rate

-12mo

Development

low

26/01490/CLPROP
Proposed rear extension to existing house, 3m projection, 2.95m to eaves, maximum height 3.2m.
Pending
26/01461/FULH
Demolition of existing conservatory and construction of new sunroom
Pending
26/01441/FULH
First floor extension above garage, loft conversion with dormer and single storey flat roof rear extension with 3no. rooflights to front. Widening of existing drive
Pending

View Planning Timeline

Ownership

Corporate Ownership58.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-11-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,106

Population Density-

Owner Occupied68%

Age Distribution

0-15 15%16-64 59%65+ 26%

View Area Profile

Schools Nearby

Rockcliffe First School
0.2 mi
Good
Cullercoats Primary School
0.3 mi
Good
Marden Bridge Middle School
0.6 mi
-
St Mary's Catholic Primary School, Cullercoats
0.7 mi
Inspected as St Marys Roman Catholic Primary School Aided (URN 108618) on 10 Mar 2020

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

41 Eskdale Terrace
-
£163k
-
3 Eskdale Terrace
-
£222k
-
5 Eskdale Terrace
-
£222k
-
49 Eskdale Terrace
-
£190k
-

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