89 St Stephens Way, North Shields, NE29 6JQ

UPRN:47080009Semi-Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band AEPC: C (76)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021

89 St Stephens Way, North Shields, NE29 6JQ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£107,000

£97k - £118kMedium

Estimate

£107k

Range

£97k – £118k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

8.09%

Verdict

Derived from HomePortfolio scores

89 St Stephens Way earns an INVESTIGATE rating with HP Score 64/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (57/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

51/ 100

Elevated

Walkability

57/ 100

Moderate

Transit & Bike

Transit 34Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 3 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +16.8% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 47080009· as of 10 Oct 2026
Rental economics40/40
gross yield 10.1% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 750/mo (tenanted)· as of 3 Nov 2026
Stress margin6.1/30
stressed cash flow +46/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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 3 Nov 2026
Risk & liquidity12.9/15
347 sales/12mo in area; valuation range width 20%
- 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 £69,000

£67,000£102,500

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£89,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £28,000
Net cash flow: £115/mo
Cash on cash: 4.9%
Score at this price: 59

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.00 - 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 47080009Valuation edge · as of 10 Oct 2026
listing_factscontractual rent 750/mo (tenanted)Rental economics · as of 3 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Seller motivation could not be scored
context, not scored: 0 price cut(s), 31 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

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

Plan

Before you offer

1. Set your walk-away price before viewing - above £69,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£107,000

Rent Estimate (pcm)£600

Gross Yield8.09%

1y Growth-4.5%

3y Growth+1.8%

5y Growth+5.1%

10y Growth+3.9%

Last Sold Price£85,000 (2022-08-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NE29 6JQ

Approval Rate

-12mo

Development

low

26/01514/FUL
External refurbishment of reception area to existing commercial building, including replacement and new cladding, replacement glazing and associated alterations.
Pending
26/01504/FUL
Retrospective application for siting an InPost Parcel Locker
Pending
26/01361/DEMGDO
Bus Depot (Sui Generis)
Pending

View Planning Timeline

Ownership

Corporate Ownership56.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-08-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,106

Population Density1,429 /km²

Owner Occupied27%

Age Distribution

0-15 26%16-64 62%65+ 12%

View Area Profile

Schools Nearby

Percy Main Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stephenson Memorial Primary School
0.7 mi
Inspected as Stephenson Memorial Primary School (URN 108597) on 18 Apr 2024
Norham High School
0.8 mi
Good
Denbigh Community Primary School
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

27 St Stephens Way
-
£211k
-
27 St Stephens Way
-
£91k
-
63 St Stephens Way
-
£95k
-
89 St Stephens Way
-
£85k
-

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