Flat 3, Stephens Court, Middlebridge Street, Romsey, SO51 8HP

UPRN:100062010169Flat/MaisonetteBeds -Built 1950-1966

LeaseholdCouncil Tax: -EPC: D (59)

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

Flat 3, Stephens Court, Middlebridge Street, Romsey, SO51 8HP

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£170,000

£153k - £187kMedium

Estimate

£170k

Range

£153k – £187k

Rent Estimate (pcm)

£750

£650 - £800

Monthly

£750

Yield

3.21%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 75/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (80/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

80/ 100

High

Transit & Bike

Transit 11Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -64.7% (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 100062010169· as of 9 Nov 2026
Rental economics0/40
gross yield 3.2%; range width penalty ×0.80
- valuation_snapshotsrent estimate 750/mo (range 650-800)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -760/mo, -101% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 75 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 6 Nov 2026
Risk & liquidity12.8/15
327 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

£210,000£322,000

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£280,000

At the asking price

Monthly rent£750/mo

Evidenced range £650-£800

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: -£426/mo
Cash on cash: -5.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.79 - 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 100062010169Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 650-800)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 750/mo (range 650-800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 75 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£170,000

Rent Estimate (pcm)£750

Gross Yield3.21%

1y Growth-

3y Growth-1.2%

5y Growth+0.0%

10y Growth+2.8%

Last Sold Price£66,500 (2000-10-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SO51 8HP

Approval Rate

-12mo

Development

low

26/02480/TPOS
(T1) Sycamore - Selectively prune lateral branches extending towards the building to provide a 3 metre clearance between the tree canopy and the building (Mottisfont Lodge) with pruning strictly limited to the branches necessary to achieve the specified clearance
Pending
26/02454/FULLS
Replacement windows and doors
Pending
26/02364/FULLS
Rear ground floor extension and a hip to gable loft conversion with rear dormer, alterations to fenestration and rooflights to the front roof slope
Pending

View Planning Timeline

Ownership

Corporate Ownership60.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2000-10-31
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£35,314

Population Density-

Owner Occupied47%

Age Distribution

0-15 13%16-64 53%65+ 34%

View Area Profile

Schools Nearby

Romsey Abbey Church of England Primary School
0.3 mi
-
The Romsey School
0.5 mi
Good
Romsey Primary School & Nursery
0.9 mi
Good
Cupernham Infant School
1.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Stephens Court Middlebridge Street
-
£175k
-
Stephens Court Middlebridge Street
-
£160k
-
Stephens Court Middlebridge Street
-
£203k
-
Stephens Court Middlebridge Street
-
£120k
-

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