12 Marriotts Yard, Ramsey, Huntingdon, PE26 1HN

UPRN:10000153436Mid Terrace House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band BEPC: C (74)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 2mo ago

12 Marriotts Yard, Ramsey, Huntingdon, PE26 1HN

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£188,000

£179k - £198kHigh

Estimate

£188k

Range

£179k – £198k

Rent Estimate (pcm)

£900

£800 - £950

Monthly

£900

Yield

6.00%

Verdict

Derived from HomePortfolio scores

12 Marriotts Yard earns an INVESTIGATE rating with HP Score 78/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (72/100). 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

78/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

72/ 100

High

Transit & Bike

Transit 22Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +4.3% (HIGH), sold-comps -35.3%, £/sqft -35.0%] → 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 10000153436· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%· as of 24 Oct 2026
Rental economics6.9/40
gross yield 6.0%; range width penalty ×0.87
- valuation_snapshotsrent estimate 900/mo (range 800-950)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -228/mo, -25% 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
Seller motivationNot scored
context, not scored: 1 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 4 Nov 2026
Risk & liquidity14.6/15
136 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

£135,000£207,000

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£180,000

At the asking price

Monthly rent£900/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £16/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 10000153436Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 800-950)Rental economics · as of 9 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

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 900/mo (range 800-950)
Seller motivation could not be scored
context, not scored: 1 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 →

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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£188,000

Rent Estimate (pcm)£900

Gross Yield6.00%

1y Growth-

3y Growth-1.6%

5y Growth+0.1%

10y Growth+4.2%

Last Sold Price£150,000 (2018-11-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PE26 1HN

Approval Rate

-12mo

Development

low

26/01901/TREE
Silver Birch TPO 23/001- fell Willow tree - fell
Pending
26/01753/TRCA
T1 Oak - 1.5m reduction T2 Maple - 1.5m reduction G1 6 Apple - reduce and dead wood prune up to 1m G2 4 Plum - reduce/prune by 1m T3 Goat Willow - Repollard to previously pollarded points T4 Goat Willow - Reduction up to 3m
Pending
26/01584/FUL
Open storage of vehicles (Use Class B8) in association with the adjacent vehicle scrapping, recycling and export businesses
Pending

View Planning Timeline

Ownership

Corporate Ownership78.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-11-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,375

Population Density67 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

Ramsey Junior School
0.1 mi
Inspected as Ramsey Community Junior School (URN 110686) on 24 Sep 2014
Ramsey Spinning Infant School
0.3 mi
Inspected as Ramsey Spinning Infant School (URN 110684) on 13 Nov 2013
Abbey College, Ramsey
0.6 mi
Good
Bury CofE Primary School
1.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Marriotts Yard
-
£135k
-
7A Marriotts Yard
-
£220k
-
3 Marriotts Yard
-
£115k
-
12 Marriotts Yard
-
£150k
-

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