2 Holbache Gardens, Welsh Walls, Oswestry, SY11 1BF

UPRN:10007022290Detached House5 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band FEPC: C (79)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

2 Holbache Gardens, Welsh Walls, Oswestry, SY11 1BF

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£492,000

£394k - £590kLow

Estimate

£492k

Range

£394k – £590k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

4.15%

Verdict

Derived from HomePortfolio scores

2 Holbache Gardens earns an INVESTIGATE rating with HP Score 87/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (92/100). 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

87/ 100

Strong

Investment Score

74/ 100

High

Crime Score

13/ 100

Low

Walkability

92/ 100

Excellent

Transit & Bike

Transit 47Bike 56

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 economics0/40
gross yield 4.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1900/mo (range 1750-2050)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,054/mo, -55% 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 28 Oct 2026
Risk & liquidity9.3/15
300 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£550,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£541/mo
Cash on cash: -3.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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_snapshotsrent estimate 1900/mo (range 1750-2050)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1900/mo (range 1750-2050)

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£492,000

Rent Estimate (pcm)£1,900

Gross Yield4.15%

1y Growth-

3y Growth+1.1%

5y Growth+1.6%

10y Growth+3.3%

Last Sold Price£295,000 (2008-10-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SY11 1BF

Approval Rate

-12mo

Development

low

26/03773/ADV
Proposed 2No fascia signs to the front and side elevations
Pending
26/03541/FUL
Refurbishment and extension of existing dwelling, including first-floor and single-storey extensions, new porch, replacement windows and doors, reroofing, and external alterations
Pending
26/03382/FUL
Change of use from place of worship to commercial sales including workshop extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-10-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,603

Population Density3,189 /km²

Owner Occupied67%

Age Distribution

0-15 16%16-64 63%65+ 21%

View Area Profile

Schools Nearby

Oswestry School
0.3 mi
Inspected by ISI
Our Lady and St Oswald's Catholic Primary School, A Voluntary Academy
0.3 mi
Inspected as Our Lady and St Oswald's Catholic Primary School (URN 123553) on 13 Jul 2022
The Marches School
0.5 mi
Good
Woodside Primary School
0.5 mi
-

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Holbache Gardens
-
£440k
-
1 Holbache Gardens
-
£358k
-
2 Holbache Gardens
-
£295k
-
1 Holbache Gardens
-
£313k
-

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