Charford Lodge, 1 Rock Hill, Bromsgrove, B61 7LH

UPRN:10000212384Detached House1 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: D (60)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Charford Lodge, 1 Rock Hill, Bromsgrove, B61 7LH

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£509,000

£407k - £611kLow

Estimate

£509k

Range

£407k – £611k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

3.36%

Verdict

Derived from HomePortfolio scores

Charford Lodge earns an INVESTIGATE rating with HP Score 72/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (67/100). 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 NationsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

67/ 100

Moderate

Transit & Bike

Transit 22Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.4%; range width penalty ×0.74
- valuation_snapshotsrent estimate 1750/mo (range 1550-1950)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,480/mo, -85% 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
Risk & liquidity9.2/15
280 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£625,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,550-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£898/mo
Cash on cash: -5.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.83 - 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_snapshotsrent estimate 1750/mo (range 1550-1950)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1750/mo (range 1550-1950)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£509,000

Rent Estimate (pcm)£1,750

Gross Yield3.36%

1y Growth+9.1%

3y Growth+4.2%

5y Growth+3.6%

10y Growth+4.8%

Last Sold Price£475,000 (2024-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0B61 7LH

Approval Rate

-12mo

Development

low

26/01140/S73
Variation of Conditions 2, 9 and 12 of planning permission granted under Application Reference Number: 25/00094/FUL to alter the parking layout and landscaping scheme (retrospective)
Pending
26/01079/HHPRIO
Single-storey rear extension measuring 3400mm wide, 3800mm deep with a flat roof to include a skylight window.
Approved
26/01002/FUL
Single Storey rear extension to the existing dwelling to accommodate a kitchen and dining area
Approved

View Planning Timeline