5 John Moore Gardens, Cheltenham, GL50 2LY

UPRN:10000482731Semi-Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band EEPC: C (78)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

5 John Moore Gardens, Cheltenham, GL50 2LY

HP Score

/ 100

Strong

Verdict

6 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£646,000

£613k - £678kHigh

Estimate

£646k

Range

£613k – £678k

Rent Estimate (pcm)

£3,750

£4k - £4k

Monthly

£3,750

Yield

6.92%

Verdict

Derived from HomePortfolio scores

5 John Moore Gardens earns an INVESTIGATE rating with HP Score 77/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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

77/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

59/ 100

Moderate

Transit & Bike

Transit 25Bike 59

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£650,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,500-£4,000

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: £402/mo
Cash on cash: 2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.71 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£646,000

Rent Estimate (pcm)£3,750

Gross Yield6.92%

1y Growth-

3y Growth+0.0%

5y Growth+0.5%

10y Growth+3.1%

Last Sold Price£363,000 (2008-09-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL50 2LY

Approval Rate

-12mo

Development

low

26/01761/CACN
T1 English Yew - Trimming to main lower body of feature, trimming Church side back to boundary line. Continue to shape peacock on top of yew, as per last visit. T3 Paper Birch - crown height reduction of 2m and spread by 1m, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image, T6 Row of mixed Lime and Hornbeam pleached trees - reduce height by the removal of annual growth down to historic height, leaving a level top. Dress both side back to strong green secondary growth, maintaining privacy.
Approved
26/01750/CACN
T1 Crab Apple - crown reduction works specification to include a height reduction of 2.5m and spread by 1.5m, crown lift up to 2m, as indicated in red on image, cutting back to strong suitable secondary growth, shape and balance, new shape indicated in red on image.
Approved
26/01736/CACN
T1 Lawson Cypress - Sympathetic crown lift off building and roof, as indicated in red on image. T4 Beech - Crown Reduction Works- Specification to include a height reduction of 2m and spread by 3m, top and garden side only as jointly owned tree, cutting back to strong suitable secondary growth. Shape and balance.
Pending

View Planning Timeline