Vine Cottage, Church Lane, Bearley, Stratford-upon-Avon, CV37 0SL

UPRN:100071246995Bungalow Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: E (53)

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

Vine Cottage, Church Lane, Bearley, Stratford-upon-Avon, CV37 0SL

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£404,000

£384k - £425kHigh

Estimate

£404k

Range

£384k – £425k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

1.94%

Verdict

Derived from HomePortfolio scores

Vine Cottage earns an INVESTIGATE rating with HP Score 57/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (10/100). 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 NationsMarket 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

57/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

10/ 100

Low

Transit & Bike

Transit 5Bike 24

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

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

Check before relying on this score: the advert has 4 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -121.5% (HIGH), sold-comps -249.6%, £/sqft -250.2%] → 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 100071246995· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 7.9%· as of 8 Nov 2026
Rental economics0/40
gross yield 1.9%; range width penalty ×0.79
- valuation_snapshotsrent estimate 1450/mo (range 1300-1600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,840/mo, -196% 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), 154 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 & liquidity14.6/15
591 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

£671,000£1,029,000

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£895,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £304,550
Net cash flow: -£2,017/mo
Cash on cash: -7.9%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.48 - 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 100071246995Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 7.9%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 1450/mo (range 1300-1600)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

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 1450/mo (range 1300-1600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 154 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£404,000

Rent Estimate (pcm)£1,450

Gross Yield1.94%

1y Growth-

3y Growth-0.3%

5y Growth+0.0%

10y Growth+2.1%

Last Sold Price£317,000 (2019-09-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CV37 0SL

Approval Rate

-12mo

Development

low

26/02485/FUL
Internal alterations to kitchen and study to create open plan kitchen/ dining area, and new utility. Window replacement of existing garage door, and minor alterations to windows and doors at side and rear of the property, plus new outbuilding study
Pending
26/02369/TREE
T1 - beech - Reduce height and spread by 2metres as per annotated photograph T2 - self-seeded oak - Fell T3 - Hawthorn - reduce by up to 2m and reshape canopy to balance
Conditions
26/02309/FUL
Change of use from storage, office, light engineering workshop to metal recycling (retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership67.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-09-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,847

Population Density-

Owner Occupied82%

Age Distribution

0-15 17%16-64 54%65+ 29%

View Area Profile

Schools Nearby

Wilmcote C of E Primary School
1.9 mi
Inspected as Wilmcote CofE (Voluntary Aided) Primary School (URN 125696) on 25 May 2022
Snitterfield Primary School
2.0 mi
Good
Wootton Wawen CofE Primary School
2.6 mi
Good
Claverdon Primary School
2.7 mi
OutstandingImproving

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Cade Hill House Church Lane
-
£1.43M
-
Broadyard Church Lane
-
£890k
-
April Cottage Church Lane
-
£365k
-
Green Acre Church Lane
-
£2.05M
-

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