4 Croftswood Gardens, Ilfracombe, EX34 9PR

UPRN:100040264289Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: D (66)

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

$4 Croftswood Gardens, Ilfracombe, EX34 9PR$

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£257,000

£244k - £270kHigh

Estimate

£257k

Range

£244k – £270k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

3.12%

Verdict

Derived from HomePortfolio scores

4 Croftswood Gardens earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (37/100). 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 NationsMarket 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

15/ 100

Moderate

Walkability

37/ 100

Mixed

Transit & Bike

Transit 15Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 9 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: the advert has 5 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0.9/15
claims [AVM -42.0% (HIGH), sold-comps +11.0%, £/sqft +10.9%] → measured edge +0.17pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100040264289· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.7%· as of 31 Oct 2026
Rental economics0/40
gross yield 3.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 950/mo (range 850-1000)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -972/mo, -102% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 9 Nov 2026
Risk & liquidity14.6/15
215 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

£274,000£419,500

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£365,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: -£574/mo
Cash on cash: -5.8%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.77 - 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 100040264289Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.7%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 850-1000)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 950/mo (range 850-1000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 40 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£257,000

Rent Estimate (pcm)£950

Gross Yield3.12%

1y Growth-

3y Growth-3.5%

5y Growth-1.3%

10y Growth+2.2%

Last Sold Price£199,000 (2003-07-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX34 9PR

Approval Rate

-12mo

Development

low

82358
Application for a lawful development certificate for a proposed Conversion of existing conservatory into a Orangery, through the partial replacement of existing conservatory windows into walls with windows and replacement of the existing glazed roof with slate insulated roof
Pending
82306
Erection of a storage building, installation of roof-mounted solar panels, external air-source heat pumps, electric vehicle charging point & associated works
Pending
82287
Erection of garage with studio above (amended plans).
Pending

View Planning Timeline

Ownership

Corporate Ownership57.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-07-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,386

Population Density192 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

The Ilfracombe Church of England Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ilfracombe Church of England Junior School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ilfracombe Infant and Nursery School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Berrynarbor Church of England Primary School
2.0 mi
Inspected as Berrynarbor Church of England Primary School (URN 113371) on 30 Jan 2024

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

View All Schools

Comparables

View All

Croft House Croftswood Gardens
-
£375k
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Cats Tails Croftswood Gardens
-
£685k
-
Cats Tails Croftswood Gardens
-
£312k
-
1 Croftswood Gardens
-
£243k
-

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