25 Merlin Crescent, Exeter, EX4 9AE

UPRN:100040223754Mid Terrace House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: C (69)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£251,000

£239k - £264kHigh

Estimate

£251k

Range

£239k – £264k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

6.50%

Verdict

Derived from HomePortfolio scores

25 Merlin Crescent earns an INVESTIGATE rating with HP Score 74/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (73/100). 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

74/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

73/ 100

High

Transit & Bike

Transit 28Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 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 +4.4% (HIGH), sold-comps +36.3%, £/sqft +36.3%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100040223754· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.4%· as of 10 Nov 2026
Rental economics10.7/40
gross yield 6.5%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1300/mo (range 1200-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -187/mo, -14% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 41 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 4 Nov 2026
Risk & liquidity14.6/15
457 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

£180,000£276,000

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£240,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £90/mo
Cash on cash: 1.4%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - 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 100040223754Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.4%Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1300/mo (range 1200-1400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 41 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£251,000

Rent Estimate (pcm)£1,300

Gross Yield6.50%

1y Growth-

3y Growth-1.2%

5y Growth+1.8%

10y Growth+2.9%

Last Sold Price£207,500 (2019-01-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX4 9AE

Approval Rate

-12mo

Development

low

26/1586/ADV
3 x Illuminated Fascia signs to the extended PFS sales building, 6 x Non-illuminated wall signs to the extended PFS sales building, 4 x Non-illuminated PFS canopy fascia signs and 5 x Non-illuminated replacement signs to existing car wash structure
Pending
26/1583/TPO
London Plane (T1) - Reduce long side stems on West and North sides by 2m to contain spread of crown. Remove major dead wood Reason Ongoing good tree management. Side stems to West and North-East reduced in past. Regrowth to 2.5m from old cut points. Major dead wood and hanging branches in crown London Plane tree (T2) - Thin crown by 15%. Reduce larger side stems on South, North-West and North-East sides by 2m to contain spread of crown and reduce stress on stem unions Reason Ongoing good tree management. Reduced in past. Regrowth to 3m from old cut points. Heavily weighted side stems to South, North-West and North-East. Major dead wood in crown. Major rubbing branch on South side mid-crown
Pending
26/1567/LPD
Certificate of lawfulness for proposed demolition of the existing rear outbuildings, construction of a single storey rear flat roof extension, rear flat roof dormer and one front roof light
Pending

View Planning Timeline

Ownership

Corporate Ownership60.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-01-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,531

Population Density2,934 /km²

Owner Occupied45%

Age Distribution

0-15 22%16-64 64%65+ 14%

View Area Profile

Schools Nearby

St James School
0.3 mi
Good
Willowbrook School
0.4 mi
Inspected as Willowbrook School (URN 132778) on 28 Jun 2022
Stoke Hill Junior School
0.5 mi
Good
Stoke Hill Infant and Nursery School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

21 Merlin Crescent
-
£187k
-
25 Merlin Crescent
-
£208k
-
27 Merlin Crescent
-
£173k
-
21 Merlin Crescent
-
£141k
-

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