The Four Winds, Malting End, Kirtling, Newmarket, CB8 9PE

UPRN:10002587571Detached Bungalow4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band EEPC: D (63)

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

The Four Winds, Malting End, Kirtling, Newmarket, CB8 9PE

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£547,000

£520k - £575kHigh

Estimate

£547k

Range

£520k – £575k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

4.69%

Verdict

Derived from HomePortfolio scores

The Four Winds earns an INVESTIGATE rating with HP Score 53/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (9/100). 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

53/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

9/ 100

Low

Transit & Bike

Transit 37Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM -0.5% (HIGH), sold-comps +3.0%, £/sqft +3.0%] → measured edge +0.50pp 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 10002587571· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 11.3%· as of 24 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.83
- valuation_snapshotsrent estimate 2150/mo (range 1950-2350)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -870/mo, -40% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 160 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 3 Nov 2026
Risk & liquidity14.6/15
350 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,950-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£368/mo
Cash on cash: -2.4%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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 10002587571Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 11.3%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1950-2350)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 2150/mo (range 1950-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 160 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. 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.
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£547,000

Rent Estimate (pcm)£2,150

Gross Yield4.69%

1y Growth-

3y Growth+0.7%

5y Growth-0.6%

10y Growth+2.0%

Last Sold Price£350,000 (2016-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CB8 9PE

Approval Rate

-12mo

Development

low

26/00341/DISA
To discharge condition 3 (Tree protection scheme) of decision 26/00341/FUL dated 21st July 2026 for New porch following demolition of original. Two storey extension at rear and partial demolition of an outbuilding and replacement of existing windows
Pending
26/00958/TPO
T1 Plumb tree - Old and dying. Remove it, as it's unsafe because its close to the property and over the garden area used by children. Looking to replace it with a Silver Birch
Approved
26/00873/TPO
T1 Ash (nearest house) - Reduce boughs over the house laterally by up to 2m; prune to provide up to 2m clearance from the building.
Approved

View Planning Timeline

Ownership

Corporate Ownership70.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

2 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,311

Population Density60 /km²

Owner Occupied54%

Age Distribution

0-15 18%16-64 57%65+ 25%

View Area Profile

Schools Nearby

Burrough Green CofE Primary Academy
2.8 mi
Inspected as Burrough Green CofE Primary School (URN 110783) on 10 Jan 2023
Thurlow Voluntary Controlled Primary School
3.1 mi
Good
Kettlefields Primary School
3.1 mi
Good
Cheveley CofE Primary School
3.2 mi
Good

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Tawny Oak Malting End
-
£700k
-
Wood Cottage Malting End
-
£540k
-
Long Meadow Malting End
-
£375k
-
The Four Winds Malting End
-
£350k
-

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