34 Retreat Road, Topsham, Exeter, EX3 0LF

UPRN:100040231102Terrace Property3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

34 Retreat Road, Topsham, Exeter, EX3 0LF

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£503,000

£453k - £553kMedium

Estimate

£503k

Range

£453k – £553k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

4.93%

Verdict

Derived from HomePortfolio scores

34 Retreat Road earns an INVESTIGATE rating with HP Score 77/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (62/100). 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)Defra 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

77/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

62/ 100

Moderate

Transit & Bike

Transit 15Bike 60

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 Nov 2026

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

Valuation edge0/15
claims [AVM +10.5% (MEDIUM), sold-comps -41.1%, £/sqft -41.2%] → 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 (MEDIUM confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 100040231102· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.8%· as of 12 Nov 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.77
- valuation_snapshotsrent estimate 1850/mo (range 1650-2050)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -669/mo, -36% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 64 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 12 Nov 2026
Risk & liquidity12.9/15
67 sales/12mo in area; valuation range width 20%
- 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,650-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£238/mo
Cash on cash: -1.9%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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 100040231102Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.8%Valuation edge · as of 12 Nov 2026
valuation_snapshotsrent estimate 1850/mo (range 1650-2050)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 1850/mo (range 1650-2050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 64 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£503,000

Rent Estimate (pcm)£1,850

Gross Yield4.93%

1y Growth-20.2%

3y Growth-5.5%

5y Growth-1.1%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX3 0LF

Approval Rate

-12mo

Development

low

26/1690/FUL
Construction of front porch to an existing dwelling
Pending
26/1669/CAT
T1 - Pittosporum -Fell to near ground level T2 - Birch - Reduce height by 2-3m - Reduce sides to shape and contain T3 - Plum - Fell to near ground level T4 - Apple - Reduce height to previous pruning points - Reshape sides to contain - Crown clean T5 - Bay - Reduce height by 3m - Trim all round to tidy and contain T6 - Rowan - Fell to near ground level These works are proposed as part of the reasonable and responsible maintenance of these garden trees.
Pending
26/1666/NMA
Non-material amendment to application 25/1630/FUL to increase in the extent of previously approved render in place of facing brickwork, together with the introduction of natural stone facing to the ground-floor gable and inclusion of one Air Source Heat Pump and 18 Photovoltaic panels.
Pending

View Planning Timeline

Ownership

Corporate Ownership53.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,531

Population Density2,337 /km²

Owner Occupied80%

Age Distribution

0-15 14%16-64 52%65+ 34%

View Area Profile

Schools Nearby

The Topsham School
0.2 mi
Good
Trinity CofE Primary and Nursery School
0.9 mi
Inspected as Trinity Church of England Voluntary Aided Primary and Nursery School (URN 141955) on 16 Mar 2022
Countess Wear Primary School
1.1 mi
Inspected as Countess Wear Community School (URN 113079) on 11 Oct 2022
Exeter Pre-Prep School
1.2 mi
Inspected by ISI

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

22 Retreat Road
-
£505k
-
43 Retreat Road
-
£633k
-
37 Retreat Road
-
£585k
-
23 Retreat Road
-
£525k
-

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