36A Pilley Lane, Cheltenham, GL53 9ER

UPRN:10000480708Mid Terrace House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band CEPC: C (77)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

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

£442,000

£420k - £464kHigh

Estimate

£442k

Range

£420k – £464k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

5.07%

Verdict

Derived from HomePortfolio scores

36A Pilley Lane earns an INVESTIGATE rating with HP Score 78/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 15Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -1.8% (HIGH), sold-comps -19.0%, £/sqft -19.2%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 10000480708· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 10.3%· as of 27 Oct 2026
Rental economics0.5/40
gross yield 5.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1900/mo (range 1750-2050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -632/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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 34 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 2 Nov 2026
Risk & liquidity14.6/15
271 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£203/mo
Cash on cash: -1.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - 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 10000480708Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 10.3%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 1900/mo (range 1750-2050)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1900/mo (range 1750-2050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 34 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. 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£442,000

Rent Estimate (pcm)£1,900

Gross Yield5.07%

1y Growth-

3y Growth+0.5%

5y Growth+3.0%

10y Growth+3.1%

Last Sold Price£325,000 (2016-08-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL53 9ER

Approval Rate

-12mo

Development

low

26/01715/CLEUD
Application for a Certificate of Lawfulness of Existing Use of Hill House as one bedroom apartment's
Pending
26/01675/TPO
Removal of dead willow tree under a 5 Day Notice of Intent to fell.
Approved
26/01671/FUL
Demolition of existing conservatory replace with single storey extension and increasing roof height.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-08-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,014

Population Density3,942 /km²

Owner Occupied81%

Age Distribution

0-15 20%16-64 54%65+ 26%

View Area Profile

Schools Nearby

Leckhampton Church of England Primary School
0.3 mi
Good
The Richard Pate School
0.3 mi
Inspected by ISI
Naunton Park Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
The High School Leckhampton
0.8 mi
Outstanding

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Pilley Lane
-
£382k
-
32A Pilley Lane
-
£215k
-
10 Pilley Lane
-
£290k
-
36 Pilley Lane
-
£438k
-

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