Cadogan Mews, 18D Milverton Terrace, Leamington Spa, CV32 5BA

UPRN:10000211826Mid Terrace House4 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: E (49)

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

Cadogan Mews, 18D Milverton Terrace, Leamington Spa, CV32 5BA

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£857,000

£814k - £900kHigh

Estimate

£857k

Range

£814k – £900k

Rent Estimate (pcm)

£4,550

£4k - £5k

Monthly

£4,550

Yield

6.83%

Verdict

Derived from HomePortfolio scores

Cadogan Mews earns an INVESTIGATE rating with HP Score 82/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (92/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

92/ 100

Excellent

Transit & Bike

Transit 32Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge0.6/15
claims [AVM +6.7% (HIGH), sold-comps +0.7%, £/sqft +0.8%] → measured edge +0.12pp 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 12 Oct 2026
- valuation_snapshotsestimate for 10000211826· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.5%· as of 1 Nov 2026
Rental economics13/40
gross yield 6.8%; range width penalty ×0.89
- valuation_snapshotsrent estimate 4550/mo (range 4200-4900)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -271/mo, -6% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 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 4 Nov 2026
Risk & liquidity14.6/15
360 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£4,550/mo

Evidenced range £4,200-£4,900

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: £450/mo
Cash on cash: 2.0%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - 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 10000211826Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.5%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 4550/mo (range 4200-4900)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 4550/mo (range 4200-4900)
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. 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£857,000

Rent Estimate (pcm)£4,550

Gross Yield6.83%

1y Growth-

3y Growth-1.3%

5y Growth+0.6%

10y Growth+2.4%

Last Sold Price£735,000 (2020-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CV32 5BA

Approval Rate

100%12mo

Development

low

W/26/1493/TP
G1 x Sycamore - Pollard to previous points, leaving at circa 6m
Pending
W/26/1472/TCA
T2 Cherry - Remove T3 Willow (Contorted)- Remove
Pending
W/26/1455
Change of use to 7 HMO flats for up to 6 persons (Use Class C4), including a front/side extension and a single-storey rear extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership57.9%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-12-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,797

Population Density-

Owner Occupied54%

Age Distribution

0-15 13%16-64 71%65+ 16%

View Area Profile

Schools Nearby

Warwickshire College Group
0.2 mi
-
Milverton Primary School
0.4 mi
-
St Peter's Catholic Primary Academy
0.4 mi
Inspected as St Peter's Catholic Primary School (URN 125714) on 11 Feb 2025
The Kingsley School
0.4 mi
Inspected by ISI

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

View All Schools

Comparables

View All

18 Milverton Terrace
-
£645k
-
18B Milverton Terrace
-
£396k
-
16A Milverton Terrace
-
£630k
-
18D Milverton Terrace
-
£735k
-

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