29 Old Rectory Gardens, Morchard Bishop, Crediton, EX17 6PF

UPRN:100040349701Bungalow Property4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band EEPC: D (61)

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

29 Old Rectory Gardens, Morchard Bishop, Crediton, EX17 6PF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£298,000

£284k - £313kHigh

Estimate

£298k

Range

£284k – £313k

Rent Estimate (pcm)

£900

£800 - £1k

Monthly

£900

Yield

2.45%

Verdict

Derived from HomePortfolio scores

29 Old Rectory Gardens earns an INVESTIGATE rating with HP Score 64/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (17/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

17/ 100

Low

Transit & Bike

Transit 5Bike 11

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 14 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -47.7% (HIGH)] → measured edge -0.33pp 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 9 Nov 2026
- valuation_snapshotsestimate for 100040349701· as of 9 Nov 2026
Rental economics0/40
gross yield 2.5%; range width penalty ×0.76
- valuation_snapshotsrent estimate 900/mo (range 800-1000)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,325/mo, -147% 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 14 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 276 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 14 Nov 2026
Risk & liquidity14.7/15
179 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

£330,000£506,000

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£440,000

At the asking price

Monthly rent£900/mo

Evidenced range £800-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £145,300
Net cash flow: -£862/mo
Cash on cash: -7.1%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.61 - 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 100040349701Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 900/mo (range 800-1000)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 14 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 14 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 900/mo (range 800-1000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 276 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. 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£298,000

Rent Estimate (pcm)£900

Gross Yield2.45%

1y Growth-13.8%

3y Growth-1.1%

5y Growth+1.6%

10y Growth+2.8%

Last Sold Price£105,000 (1997-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0EX17 6PF

Approval Rate

-12mo

Development

low

26/01171/DPO
Application under The Town and Country Planning (Modification and Discharge of Planning Obligations) Regulations 1992 to seek to discharge the terms of a section 106 agreement pursuant to planning permission 14/01954/FULL
Approved
26/00515/LBC
Listed Building Consent for the repair of timber elements in A frame roof
Approved
26/00707/FULL
Conversion of barn to holiday let to include installation of an electric vehicle charging point and solar photovoltaic panels
Approved

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-10-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,908

Population Density-

Owner Occupied81%

Age Distribution

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

View Area Profile

Schools Nearby

Morchard Bishop Church of England Primary School
0.2 mi
Good
St Thomas of Canterbury CofE Primary School
2.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Copplestone Primary School
3.1 mi
Good
East Worlington Primary School
3.7 mi
Good

1 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Old Rectory Gardens
-
£280k
-
4 Old Rectory Gardens
-
£325k
-
6 Old Rectory Gardens
-
£340k
-
2 Old Rectory Gardens
-
£355k
-

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