Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-05T04:00:06.311246+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T02:29:14.239747+00:00)●Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-09-20T07:00:51.928035+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+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· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T05:00:30.533230+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●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
81
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
20 of 21 sources
Sale Estimate
£427,000
£405k - £448kHigh
Estimate
£427k
Range
£405k – £448k
Rent Estimate (pcm)
£1,850
£2k - £2k
Monthly
£1,850
Yield
6.34%
Verdict
Derived from HomePortfolio scores
Flat 3 earns an INVESTIGATE rating with HP Score 81/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (76/100). 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.
T2 Copper Beech (Fagus sylvatica purpurea) Crown reduce by approximately 1-1.5m back to most recent previous reduction points, to tidy and contain. Final heights 8m and final spreads 6m.
Pending
PA26/3748
REAR GARDEN T1 (closest to wall) Palm Cabbage (Cordyline australis) - Fell to ground level astree is dead.
Pending
PA26/3740
English yew (Taxus baccata) identified as T003 on the accompanying tree survey and classified as Category B. As recommended by our tree surgeon, we propose a crown reduction of approximately 1–2 metres across the entire tree including branches overhanging the neighbouring property to reduce its overall size while maintaining its natural shape. Our property is within a conservation area. We have been unable to establish whether the tree is also subject to a Tree Preservation Order (TPO). As the form does not offer an 'Unknown' option we have selected 'No' but would be grateful if the Council could confirm its TPO status and process the application accordingly.
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
24
Low confidence0 independent sourcesLead to verifyListing checked 5 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: the estimate sits 18% above the ask; lead to verify: 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 +18.0% (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 13 Oct 2026
valuation_snapshotsestimate for 100022326286· as of 13 Oct 2026
Rental economics9.4/40
gross yield 6.3%; range width penalty ×0.88; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1850/mo (range 1700-2000)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -247/mo, -13% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 46 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 5 Nov 2026
Risk & liquidity14.6/15
251 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
£262,500£402,500
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
£350,000
At the asking price
£1,850/mo
Evidenced range £1,700-£2,000
5.4%
75%
Cash required
£113,800
Net cash flow
£100/mo
Cash on cash
1.0%
Score at this price
24
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.57 - 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 100022326286Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1850/mo (range 1700-2000)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this