Cliffe House, Bank Top, Cullercoats, North Shields, NE30 4QJ

UPRN:47103392Semi-Detached House6 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: D (62)

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

Cliffe House, Bank Top, Cullercoats, North Shields, NE30 4QJ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£905,000

£724k - £1.09MLow

Estimate

£905k

Range

£724k – £1.09M

Rent Estimate (pcm)

£3,450

£3k - £4k

Monthly

£3,450

Yield

3.45%

Verdict

Derived from HomePortfolio scores

Cliffe House earns an INVESTIGATE rating with HP Score 71/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (77/100). 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)Defra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

40/ 100

Elevated

Walkability

77/ 100

High

Transit & Bike

Transit 33Bike 65

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.5%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3450/mo (range 3100-3800)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,657/mo, -77% 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 4 Nov 2026
Risk & liquidity9.2/15
288 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,200,000

At the asking price

Monthly rent£3,450/mo

Evidenced range £3,100-£3,800

Interest rate5.4%

Loan to value75%

Cash required: £425,050
Net cash flow: -£1,662/mo
Cash on cash: -4.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.85 - below 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_snapshotsrent estimate 3450/mo (range 3100-3800)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 3450/mo (range 3100-3800)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£905,000

Rent Estimate (pcm)£3,450

Gross Yield3.45%

1y Growth-

3y Growth+3.2%

5y Growth+4.1%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NE30 4QJ

Approval Rate

-12mo

Development

low

26/01461/FULH
Demolition of existing conservatory and construction of new sunroom
Pending
26/01409/FUL
Variation of condition 4 of planning approval 25/01646/FULH. Amend the approved material from tile to shiplap boarding (colour grey preferred, tile red as a fallback)
Pending
26/01403/CLPROP
Proposed loft conversion, 1no. rooflight to front and flat roof dormer construction to rear
Pending

View Planning Timeline

Ownership

Corporate Ownership61.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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 Density5,531 /km²

Owner Occupied58%

Age Distribution

0-15 15%16-64 60%65+ 25%

View Area Profile

Schools Nearby

Cullercoats Primary School
0.2 mi
Good
Rockcliffe First School
0.3 mi
Good
Marden Bridge Middle School
0.7 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

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

View All Schools

Comparables

View All

Cliff House Bank Top
-
£550k
-

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