St Michaels, Lumby Drive, Ringwood, BH24 1JJ

UPRN:100060496352Detached Bungalow5 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: C (69)

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

St Michaels, Lumby Drive, Ringwood, BH24 1JJ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£644,000

£579k - £708kMedium

Estimate

£644k

Range

£579k – £708k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

3.35%

Verdict

Derived from HomePortfolio scores

St Michaels earns an INVESTIGATE rating with HP Score 72/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (46/100). 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

72/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

46/ 100

Mixed

Transit & Bike

Transit 13Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -14.1% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100060496352· as of 9 Nov 2026
Rental economics0/40
gross yield 3.3%; range width penalty ×0.76
- valuation_snapshotsrent estimate 2050/mo (range 1850-2300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,724/mo, -84% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 46 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 11 Nov 2026
Risk & liquidity12.8/15
241 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

£551,000£845,000

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£735,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £248,550
Net cash flow: -£1,061/mo
Cash on cash: -5.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.83 - 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 100060496352Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2050/mo (range 1850-2300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 2050/mo (range 1850-2300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 46 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£644,000

Rent Estimate (pcm)£2,050

Gross Yield3.35%

1y Growth-

3y Growth-3.6%

5y Growth-1.3%

10y Growth+2.1%

Last Sold Price£443,000 (2007-05-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BH24 1JJ

Approval Rate

-12mo

Development

low

26/11049
Single-storey rear extension (Lawful Development Certificate that permission is not required for proposal)
Pending
26/01236CONS
Fell 1 x Leylandii tree
Pending
26/10998
Rear single-story extension; dormer, roof lights and roof alterations to facilitate creation of first floor
Pending

View Planning Timeline

Ownership

Corporate Ownership61.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-05-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,344

Population Density4,411 /km²

Owner Occupied72%

Age Distribution

0-15 18%16-64 57%65+ 25%

View Area Profile

Schools Nearby

Poulner Junior School
0.4 mi
-
Poulner Infant School and Nursery
0.4 mi
-
Ringwood School Academy
0.5 mi
Good
Ringwood Church of England Infant School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

3 Lumby Drive
-
£388k
-
The Cherries Lumby Drive
-
£435k
-
Sunkist Lumby Drive
-
£300k
-
Sarum Lumby Drive
-
£330k
-

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