Flat 3, The Old Mill Office, Fishers Yard, St. Neots, PE19 2AG

UPRN:10000145567Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (73)

Data freshness:Listing· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 3, The Old Mill Office, Fishers Yard, St. Neots, PE19 2AG

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£300,000

£285k - £315kHigh

Estimate

£300k

Range

£285k – £315k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

5.40%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (89/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

57/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 57Bike 81

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£300,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,200-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: -£78/mo
Cash on cash: -1.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£300,000

Rent Estimate (pcm)£1,350

Gross Yield5.40%

1y Growth+28.7%

3y Growth-1.8%

5y Growth+1.1%

10y Growth+2.8%

Last Sold Price£275,000 (2023-04-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1PE19 2AG

Approval Rate

100%12mo

Development

low

26/80271/COND
Discharge of condition 3 (sample of materials required) and 4 (rooflight details) of 26/00400/HHFUL
Pending
26/01954/LBC
Change of use of the first floor from office accommodation (Use Class E) to form two self-contained residential flats (Use Class C3), including associated internal alterations.
Pending
26/01925/NMA
Non material amendment of 25/02142/HHFUL for an extension of the existing bathroom gable outward by approximately 1.1 metres, retaining the pitch and eaves and ridge height of the existing gable, addition of one roof light to the west facing roof slope of the new bedroom gable and addition of a non-opening, narrow slot window, to the west wall of the kitchen.
Pending

View Planning Timeline