Basement Flat, 75 Roman Bank, Skegness, PE25 2SW

UPRN:100030790694Converted Flat1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: D (63)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Basement Flat, 75 Roman Bank, Skegness, PE25 2SW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£62,000

£59k - £65kHigh

Estimate

£62k

Range

£59k – £65k

Rent Estimate (pcm)

£250

£200 - £300

Monthly

£250

Yield

4.62%

Verdict

Derived from HomePortfolio scores

Basement Flat earns an INVESTIGATE rating with HP Score 57/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (84/100). 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.

Key SourcesEPC RegisterPortal listingsMarket 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

57/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

86/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 37Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 13 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 -4.8% (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 Nov 2026
- valuation_snapshotsestimate for 100030790694· as of 9 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.40
- valuation_snapshotsrent estimate 250/mo (range 200-300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -220/mo, -88% 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 13 Nov 2026· verify before relying on this
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.7/15
232 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

£49,000£75,000

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

Purchase price£65,000

At the asking price

Monthly rent£250/mo

Evidenced range £200-£300

Interest rate5.4%

Loan to value75%

Cash required: £20,800
Net cash flow: -£46/mo
Cash on cash: -2.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - 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 100030790694Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 250/mo (range 200-300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 250/mo (range 200-300)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£62,000

Rent Estimate (pcm)£250

Gross Yield4.62%

1y Growth-

3y Growth+0.8%

5y Growth+1.6%

10y Growth+3.3%

Last Sold Price£52,500 (2007-10-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PE25 2SW

Approval Rate

-12mo

Development

low

01944/26/ASP
Determination of whether or not prior approval is required for the installation, alteration or replacement of other solar PV equipment on the roof of a building, other than a dwellinghouse or a block of flats.
Pending
01836/26/ADV
Consent to Display - 2no. internally illuminated fascia signs, 2no. externally illuminated hanging signs and 1no. non illuminated vinyl fasica sign.
Pending
01919/26/ESR
Environmental Impact Assessment (E.E.C. Directive 85/337/E.E.C. as amended by Council Directive 97/11E.C.) for a screening opinion with respect to the extension to existing community diagnostic centre to form an urgent treatment centre with associated access, car parking , landscaping and associated infrastructure with the demolition of existing redundant warehouse.
Pending

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining79 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2007-10-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,705

Population Density-

Owner Occupied40%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Skegness Infant Academy
0.0 mi
Inspected as Skegness Infant School (URN 120475) on 29 Sep 2009
Skegness Junior Academy
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Skegness Grammar School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Skegness Academy
0.3 mi
Requires improvement

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

87 Roman Bank
-
£50k
-
59 Roman Bank
-
£110k
-
119 Roman Bank
-
£145k
-
School Cottages Roman Bank
-
£108k
-

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