Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-04T04:00:06.345886+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T02:12:50.361098+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:02:58.401338+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T07:58:11.069671+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· freshSchools: fresh, refreshed 2d ago (2026-11-05T17:42:09.721250+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
78
/ 100
Strong
Verdict
2 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
18 of 21 sources
Sale Estimate
£413,000
£392k - £434kHigh
Estimate
£413k
Range
£392k – £434k
Rent Estimate (pcm)
£1,500
£1k - £2k
Monthly
£1,500
Yield
4.80%
Verdict
Derived from HomePortfolio scores
Flat 9 earns an INVESTIGATE rating with HP Score 78/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (91/100). 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.
T1) Eucalyptus: fell to ground level. Insurance company have stipulated this needs to happen due to subsidence.
Pending
HGY/2026/3045
- T1 Bay: reduce height by up to 3.5m and crown spread to the south, east and west by up to 1m, then trim annually to maintain. - T7 Ash: reduce height by up to 2m and radial crown spread by up to 1.5m. - T8 Smokebush (Cotinus): reduce by up to 40%, height by up to 2m.
Pending
HGY/2026/3034
Five Day Notice. T1 Weeping Ash at the rear of the Town Hall which has multiple weak points including bracket fungus and decayed sections. Manage potential sudden failure by removing the end section as per photos.
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
Opportunity
Why this could be an opportunity
0
Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026
This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.
Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +9.2% (HIGH)] → 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 100021155211· as of 9 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.80
valuation_snapshotsrent estimate 1500/mo (range 1350-1650)· as of 9 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -621/mo, -41% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 164 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 & liquidity0/15
lease 55 years (under 80): most lenders refuse it - risk scores nothing; 153 sales/12mo in area; valuation range width 10%
property_intelligencetransactions_12mo
listing_factslease 55 years remaining (advert)· as of 4 Nov 2026
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
£281,000£431,000
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
£375,000
At the asking price
£1,500/mo
Evidenced range £1,350-£1,650
5.4%
75%
Cash required
£122,550
Net cash flow
-£227/mo
Cash on cash
-2.2%
Score at this price
0
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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_snapshotsestimate for 100021155211Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1500/mo (range 1350-1650)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026 · verify before relying on this
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 1500/mo (range 1350-1650)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
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.