2 Waterloo Farm Cottage, Ermine Street, Great Stukeley, Huntingdon, PE28 4HQ

UPRN:10000147953Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (68)

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

2 Waterloo Farm Cottage, Ermine Street, Great Stukeley, Huntingdon, PE28 4HQ

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

£514,000

£463k - £566kMedium

Estimate

£514k

Range

£463k – £566k

Rent Estimate (pcm)

£2,300

£2k - £3k

Monthly

£2,300

Yield

5.02%

Verdict

Derived from HomePortfolio scores

2 Waterloo Farm Cottage earns an INVESTIGATE rating with HP Score 58/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (0/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 29Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the advert has 6 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -7.0% (MEDIUM), sold-comps -29.4%, £/sqft -29.3%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 10000147953· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.9%· as of 21 Oct 2026
Rental economics0.1/40
gross yield 5.0%; range width penalty ×0.85
- valuation_snapshotsrent estimate 2300/mo (range 2100-2500)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -760/mo, -33% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity12.8/15
601 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 sensitivity

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,100-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£264/mo
Cash on cash: -1.7%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - 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_snapshotsestimate for 10000147953Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.9%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 2300/mo (range 2100-2500)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2300/mo (range 2100-2500)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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 →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£514,000

Rent Estimate (pcm)£2,300

Gross Yield5.02%

1y Growth-

3y Growth-2.8%

5y Growth-0.9%

10y Growth+2.6%

Last Sold Price£325,000 (2014-09-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PE28 4HQ

Approval Rate

-12mo

Development

low

26/80248/COND
Discharge of Condition 44 (Contamination site investigations) of 25/01922/OUT (Outline Planning Application with all matters reserved except for site access for construction of Storage and Distribution (Use Class B8), General Employment (Use Class B2), Bus Depot (Sui Generis) floorspace with ancillary offices and gatehouses, provision of landscaping, access infrastructure (including new and improved vehicular access from the A141, highway, parking, cycle and pedestrian access), utilities (including gas, electricity, water, sewerage, telecommunications), sustainable drainage systems, and all associated engineering works (including demolition of existing structures and buildings, breaking-up and reuse of hardstanding and ground remodelling and enabling works). The proposed development is phased with each phase being a separate and severable part of the development.)
Conditions
26/80238/COND
Discharge of condition 18 (Preconstruction Bat Survey) of 25/01922/OUT
Conditions
26/01606/NMA
Non material amendment to Condtion 41 (Phased archaeological investigations) of 25/01922/OUT
Approved

View Planning Timeline

Ownership

Corporate Ownership81.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-09-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,375

Population Density98 /km²

Owner Occupied62%

Age Distribution

0-15 21%16-64 59%65+ 20%

View Area Profile

Schools Nearby

Cromwell Academy
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Brampton Village Primary School
1.4 mi
Good
Hinchingbrooke School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stukeley Meadows Primary School
1.5 mi
-

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

View All Schools

Comparables

View All

2 Waterloo Farm Cottage
-
£325k
-
2 Waterloo Farm Cottage
-
£120k
-
1 Waterloo Farm Cottage
-
£113k
-

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