Agape, Oxmans Lane, Northam, Bideford, EX39 1DZ

UPRN:10003502153Detached House5 bedsBuilt 1976-1982

Tenure: -Council Tax: Band CEPC: C (70)

Data freshness:Planning· 4mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Agape, Oxmans Lane, Northam, Bideford, EX39 1DZ

HP Score

/ 100

Strong

Verdict

7 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£403,000

£322k - £484kLow

Estimate

£403k

Range

£322k – £484k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

4.32%

Verdict

Derived from HomePortfolio scores

Agape earns an INVESTIGATE rating with HP Score 75/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (47/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

47/ 100

Mixed

Transit & Bike

Transit 19Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 [sold-comps +17.2%, £/sqft +17.2%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.3%· as of 31 Oct 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1400/mo (range 1300-1550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -742/mo, -53% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 38 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 2 Nov 2026
Risk & liquidity9.2/15
428 sales/12mo in area; valuation range width 40%
- 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

£292,000£447,500

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£389,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £127,450
Net cash flow: -£344/mo
Cash on cash: -3.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.07 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.3%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1300-1550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
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 1400/mo (range 1300-1550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 38 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£403,000

Rent Estimate (pcm)£1,400

Gross Yield4.32%

1y Growth-

3y Growth-4.7%

5y Growth+0.4%

10y Growth+2.7%

Last Sold Price£205,000 (2013-07-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX39 1DZ

Approval Rate

-12mo

Development

low

1/0629/2026/SEC106
Deed of Variation of planning approval 1/0490/2020/FULM
Pending
1/0624/2026/FUL
Part retrospective application for installation of rear doorway access to mezzanine
Pending
1/0623/2026/FUL
Single storey rear extension and alterations
Pending

View Planning Timeline

Ownership

Corporate Ownership61.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change2013-07-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,752

Population Density-

Owner Occupied82%

Age Distribution

0-15 13%16-64 47%65+ 40%

View Area Profile

Schools Nearby

St Margaret's Church of England Junior School
0.1 mi
Inspected as St Margaret's Church of England (Aided) Junior School (URN 113453) on 10 Mar 2020
St George's CofE Infant and Nursery School
0.2 mi
Report card2025
Ofsted no longer awards a single overall grade.
Appledore School
0.9 mi
Good
St Mary's CofE Primary School
1.2 mi
Inspected as St Mary's Church of England Primary School (URN 113385) on 29 Mar 2023

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Oxmans Lane
-
£410k
-
The Willows Oxmans Lane
-
£523k
-
Agape, 6 Oxmans Lane
-
£205k
-
The Willows Oxmans Lane
-
£325k
-

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