39 Stirling Street, Hartlepool, TS25 5AL

UPRN:100110029657Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

39 Stirling Street, Hartlepool, TS25 5AL

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£61,000

£58k - £64kHigh

Estimate

£61k

Range

£58k – £64k

Rent Estimate (pcm)

£500

£450 - £500

Monthly

£500

Yield

10.00%

Verdict

Derived from HomePortfolio scores

39 Stirling Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (82/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

82/ 100

High

Transit & Bike

Transit 32Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 23 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 +1.6% (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 9 Oct 2026
- valuation_snapshotsestimate for 100110029657· as of 9 Oct 2026
Rental economics36/40
gross yield 9.5% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 475/mo (tenanted)· as of 23 Oct 2026
Stress margin0/30
stressed cash flow -34/mo, -7% 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 23 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 240 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 23 Oct 2026
Risk & liquidity14.7/15
443 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

£45,000£69,000

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£60,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£500

Interest rate5.4%

Loan to value75%

Cash required: £19,300
Net cash flow: £144/mo
Cash on cash: 8.9%
Score at this price: 51

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.47 - 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 100110029657Valuation edge · as of 9 Oct 2026
listing_factscontractual rent 475/mo (tenanted)Rental economics · as of 23 Oct 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 23 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 23 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
Seller motivation could not be scored
context, not scored: 0 price cut(s), 240 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. 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.
2. 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£61,000

Rent Estimate (pcm)£500

Gross Yield10.00%

1y Growth+53.8%

3y Growth+2.8%

5y Growth+4.6%

10y Growth+1.4%

Last Sold Price£37,000 (2020-04-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TS25 5AL

Approval Rate

-12mo

Development

low

P/2026/0013
Prior notification for the demolition of Craft, Design and Technology building
Pending
H/2026/0267
Erection of a two storey side extension, erection of a single storey canopy to front. Alterations to fenestration, alterations to boundary treatments and the installation of hardstanding to front, side, and rear (demolition of existing side outrigger)
Pending
H/2026/0259
Lawful development certificate for the proposed change of use from a Class C3 dwelling to a Class C4 small HMO for upto 6 occupiers.
Approved

View Planning Timeline

Ownership

Corporate Ownership77.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-04-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,830

Population Density8,425 /km²

Owner Occupied61%

Age Distribution

0-15 22%16-64 62%65+ 16%

View Area Profile

Schools Nearby

St Cuthbert's Catholic Primary School, Hartlepool
0.1 mi
Good
St Aidan's Church of England Memorial Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stranton Primary School
0.3 mi
Outstanding
Eldon Grove Academy
0.5 mi
Good

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

View All Schools

Comparables

View All

46 Stirling Street
-
£75k
-
33 Stirling Street
-
£55k
-
53 Stirling Street
-
£70k
-
22 Stirling Street
-
£86k
-

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