41 Wharf Road, Stamford, PE9 2EB

UPRN:100030947124Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£249,000

£237k - £261kHigh

Estimate

£249k

Range

£237k – £261k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

5.04%

Verdict

Derived from HomePortfolio scores

41 Wharf Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (82/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

74/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 27Bike 57

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£250,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£117/mo
Cash on cash: -1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - below 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£249,000

Rent Estimate (pcm)£1,050

Gross Yield5.04%

1y Growth-22.3%

3y Growth-0.5%

5y Growth+0.3%

10y Growth+3.3%

Last Sold Price£166,000 (2020-11-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0PE9 2EB

Approval Rate

-12mo

Development

low

S26/1821
Section 211 notice to re-pollard 3 boundary Beech trees back to previously established height and spread into old cuts, leave for the next 3 or 4 years and then repeat process.
Pending
S26/1743
Single storey rear extension.
Pending
S26/1715
Submission of details reserved by Full Planning Permission Condition 4 (Construction Management Plan) and Outline Planning Permission Condition 7 (Construction Management Plan) and Informative 6 (Biodversity Net Gain Plan) of Hybrid planning permission S25/1082.
Pending

View Planning Timeline

Ownership

Corporate Ownership68%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-11-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,071

Population Density-

Owner Occupied47%

Age Distribution

0-15 12%16-64 60%65+ 28%

View Area Profile

Schools Nearby

Stamford Endowed Schools
0.1 mi
Inspected by ISI
Stamford St Gilberts Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stamford Welland Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Bluecoat School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

15 Wharf Road
-
£221k
-
13 Wharf Road
-
£180k
-
39 Wharf Road
-
£250k
-
20 Wharf Road
-
£266k
-

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