Fleet MortgagesProperty Portfolio Intelligence SpinePowered by Crosstide
Current view focus: Valuation routing, case readiness and exception review across the lending book.For intermediary use only.

Cross-platform capability

Property Status and Market Activity

A UPRN-linked view of listing status, AVM evidence, comparable activity and governed next actions.

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

Market position summary

Properties actively marketed

112

For sale or let agreed listings

Properties under offer

63

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

Properties Sold STC

48

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

Confirmed completed sales

21

Approved source plus completion evidence

Properties with price reductions

37

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

Properties with AVM movement above threshold

54

Movement above 3% since last refresh

Properties requiring valuation review

29

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

Properties with unknown or conflicting status

18

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.

How status is treated

Observed market status, official completion evidence and AVM inference are three different things. A change in status may create an action. It does not create a lending, servicing or compliance decision.

Property statusMeaningData treatment
Not currently marketedNo current approved listing signal is availableInformational only
For saleActive sale listing identifiedMarket activity signal
Under offerOffer accepted or comparable status indicates under offerMarket activity signal, not completed sale
Sold STCSold subject to contractMarket activity signal, not legal completion
WithdrawnListing withdrawn or no longer activeRequires context, may be sold, let, paused or removed
SoldCompleted sale confirmed by approved source or official completed-sale evidenceConfirmed transaction status
Let agreedRental listing agreedMarket activity signal
LetTenancy confirmed or approved source indicates property is letTenancy-related status
UnknownNo reliable market-status evidenceDo not infer a status

Observed market status

What an approved data source says about the listing or transaction stage.

Official completion evidence

A completed sale is treated as confirmed only where the approved source and relevant official or validated completion evidence supports that conclusion. Sold STC is never shown as Sold, and a removed listing is not proof of sale.

AVM and market inference

An AVM is an estimate with a confidence level. It is not proof that a property is listed, under offer, sold or suitable security for lending.

Property status distribution

Not currently marketed61
For sale9
Under offer5
Sold STC4
Withdrawn3
Sold2
Let agreed4
Let10
Unknown2

Market activity timeline

  1. Sold STCMedium confidence07 Aug 2026, 09.14

    18 Oakfield Avenue, Newcastle upon Tyne

    Sold subject to contract. No completion evidence available.

    Source. Approved listing-data provider

  2. AVM value movementMedium confidence08 Aug 2026, 04.02

    18 Oakfield Avenue, Newcastle upon Tyne

    Estimate moved to £278,500 following local comparable movement.

    Source. AVM provider

  3. Price reducedHigh confidence02 Aug 2026, 11.48

    62 Sefton Road, Liverpool

    Second reduction, asking price £169,950.

    Source. Approved listing-data provider

  4. ListedHigh confidence29 Jul 2026, 08.30

    27 Ashgrove Terrace, Sunderland

    New sale listing at £139,500.

    Source. Approved listing-data provider

  5. Under offerMedium confidence24 Jul 2026, 15.05

    31 Beechwood Drive, Nottingham

    Offer accepted. Not a completed sale.

    Source. Approved listing-data provider

  6. Let agreedHigh confidence21 Jul 2026, 10.22

    23 Marsden Close, York

    Rental listing agreed, tenancy start pending.

    Source. Letting agent workflow

  7. WithdrawnLow confidence18 Jul 2026, 16.40

    14 Peel Street, Preston

    Listing removed. Reason unknown, requires landlord confirmation.

    Source. Approved listing-data provider

  8. SoldHigh confidence11 Jul 2026, 12.00

    5 Cavendish Street, Sheffield

    Completion confirmed by validated completed-sale record.

    Source. Official completed-sale evidence

  9. EPC updateHigh confidence04 Jul 2026, 07.10

    8 Camden Row, Birmingham

    Certificate reissued, band D retained.

    Source. EPC register

  10. Planning application updateMedium confidence27 Jun 2026, 09.55

    11 Kingsway Mews, Manchester

    Change-of-use application registered nearby.

    Source. Local authority planning data

  11. LetHigh confidence19 Jun 2026, 13.35

    4 Bramley Court, Leeds

    Tenancy confirmed, AST in place.

    Source. Letting agent workflow

AVM and market evidence

Fact, estimate, comparison and action are labelled separately so that no inference is read as evidence.

Fact

Current asking price

£285,000

Approved listing-data provider, 07 Aug 2026

Fact

Most recent sold price

£214,000

Completed-sale record, 2019

Fact

Price reduction history

Two reductions

£299,950 to £292,500 to £285,000

Fact

Time on market

76 days

From first listing date

Estimate

Current AVM estimate

£278,500

Estimate, not proof of value or security suitability

Estimate

AVM confidence band

Medium

Reduced following recent local movement

Estimate

Last valuation update

08 Aug 2026

AVM provider refresh

Comparison

Comparable sales

12 within 0.5 miles

Nine within the last 12 months

Comparison

Comparable current listings

8 within 0.5 miles

Median asking price £281,000

Comparison

Local supply and demand indicator

Balanced, supply rising

Listing volume up 6% quarter on quarter

Action

Recommended response

Desktop valuation review

Conflicting market-status signals and medium AVM confidence

Action

Owner

Fleet Underwriting

Human accountability retained

Priority action queue

Each action carries a named owner, a due date and the confidence behind the trigger.

PriorityPropertyCurrent statusTriggerRecommended actionOwnerDue dateConfidence
118 Oakfield Avenue, Newcastle upon TyneSold STCSold STC recorded while an active tenancy remains on the recordRequest evidence where a property shows conflicting Sold STC and current tenancy signals.Letting Agent22 Aug 2026Medium
262 Sefton Road, LiverpoolFor saleListed for sale with product maturity in 31 daysBroker to contact landlord where property is listed and product maturity is within 90 days.Broker18 Aug 2026High
331 Beechwood Drive, NottinghamUnder offerAVM confidence reduced after local comparable movementReview valuation route where AVM confidence has changed following market movement.Fleet Underwriting25 Aug 2026Medium
45 Cavendish Street, SheffieldSoldCompleted sale confirmed in the local comparable setReview LTV after confirmed sale in local comparable set.Fleet Risk28 Aug 2026High
58 Camden Row, BirminghamSold STCSold STC unchanged for 118 daysLetting agent to confirm status where a property remains marked Sold STC beyond an agreed review period.Letting Agent05 Sep 2026Low
614 Peel Street, PrestonWithdrawnListing withdrawn with no landlord confirmationRequest landlord confirmation of intent before any portfolio assumption is recorded.Broker09 Sep 2026Low

Fleet risk use cases

Decision-support and monitoring inputs only. Credit decisions are not automated from these signals.

SignalFleet relevanceSuggested action
Security property is listed for salePotential change in security, customer intent or portfolio compositionReview case or servicing position
Property is Sold STCPotential disposal or refinance change, but not completed saleMonitor and request evidence where relevant
Confirmed salePortfolio, security and repayment implicationsUpdate portfolio and lending records
Comparable sales changePossible LTV or valuation impactReview AVM confidence and valuation route
Price reductionLocal liquidity or pricing signalReview comparables and confidence
Let agreed or tenancy changeRental-income and compliance relevanceReview current tenancy and coverage assumptions
Prolonged Sold STC statusStale status or unresolved transactionRoute review to broker, agent or servicing

Status confidence model

ConfidenceMeaning
HighStatus supported by current approved source and corroborating evidence
MediumStatus supported by a current approved source but no independent corroboration
LowStatus is stale, incomplete or conflicts with another relevant record
UnknownNo approved status evidence available

Prototype journeys

Fleet underwriting user opens a buy-to-let case, sees that the property is Sold STC, notices the AVM confidence has reduced and routes the case to desktop review rather than AVM-supported valuation.

Fleet servicing user sees a property listed for sale with a product maturity in 60 days, assigns a broker conversation task and records the action outcome.

Broker user views a landlord portfolio, filters to Product maturity in 90 days and For sale or Sold STC, then creates a refinance or disposal conversation task.

Letting agent user sees a property marked Sold STC but with an active tenancy and outstanding certificate requirement, then uses the reconciliation workflow to request landlord confirmation.

Crosstide administrator sees a portfolio-level status conflict report, identifies the source of the conflict and reviews provenance, timestamp and confidence.

Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.