129 Stoke Quay, Ipswich, IP2 8SN

UPRN:10004567684Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band DEPC: B (82)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£160,000

£128k - £192kLow

Estimate

£160k

Range

£128k – £192k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

8.00%

Verdict

Derived from HomePortfolio scores

129 Stoke Quay earns an INVESTIGATE rating with HP Score 65/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (88/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

65/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

71/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 43Bike 79

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics24/40
gross yield 8.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1000/mo (range 950-1050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -28/mo, -3% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
276 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£150,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £186/mo
Cash on cash: 4.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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_snapshotsrent estimate 1000/mo (range 950-1050)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1000/mo (range 950-1050)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£160,000

Rent Estimate (pcm)£1,000

Gross Yield8.00%

1y Growth-

3y Growth-0.7%

5y Growth+1.9%

10y Growth+3.5%

Last Sold Price£187,000 (2005-07-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0IP2 8SN

Approval Rate

-12mo

Development

low

26/00828/CON
Discharge of Condition 5 (window, rooflight, bathroom vents and bin area ventilation details), 6 (noise assessment and mitigation measure), 10 (Construction Management Strategy) of application 25/00677/FUL: Creation of 9 residential flats in first floor of existing building with openings into the existing external walls and roof made to facilitate the installation of new windows, balconies, skylights and smoke vents.
Pending
26/00812/FUL
Replacement of existing windows at first- and second-floor level of flat with uPVC fire escape windows.
Pending
26/00805/TALF
Works to tree protected by TPO 4 of 1993: Pollard tree to 6m above ground level.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.7%
Overseas OwnershipNo
Lease Term Remaining176 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-07-21
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£30,928

Population Density6,629 /km²

Owner Occupied16%

Age Distribution

0-15 27%16-64 69%65+ 4%

View Area Profile

Schools Nearby

University of Suffolk
0.3 mi
-
Hillside Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Suffolk New College
0.5 mi
-
Learning Support, Southern Area Education Office
0.5 mi
-

0 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

125 Stoke Quay
-
£110k
-
123 Stoke Quay
-
£127k
-
121 Stoke Quay
-
£140k
-
155 Stoke Quay
-
£320k
-

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