10 The Croft, Cherryholt Road, Stamford, PE9 2JZ

UPRN:10007247166Flat/Maisonette2 bedsBuilt 1991-1995

LeaseholdCouncil Tax: -EPC: C (73)

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

10 The Croft, Cherryholt Road, Stamford, PE9 2JZ

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

£199,000

£189k - £209kHigh

Estimate

£199k

Range

£189k – £209k

Rent Estimate (pcm)

£850

£800 - £950

Monthly

£850

Yield

5.37%

Verdict

Derived from HomePortfolio scores

10 The Croft earns an INVESTIGATE rating with HP Score 67/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (84/100). 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 NationsMarket estimates (third-party AVM)Defra 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

67/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

73/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 19Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +4.5% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10007247166· as of 13 Oct 2026
Rental economics2.5/40
gross yield 5.4%; range width penalty ×0.85
- valuation_snapshotsrent estimate 850/mo (range 800-950)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -307/mo, -36% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 124 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 4 Nov 2026
Risk & liquidity14.6/15
348 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

£142,500£218,500

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£190,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: -£53/mo
Cash on cash: -1.1%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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_snapshotsestimate for 10007247166Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-950)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 850/mo (range 800-950)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£199,000

Rent Estimate (pcm)£850

Gross Yield5.37%

1y Growth-

3y Growth-0.5%

5y Growth+0.3%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PE9 2JZ

Approval Rate

-12mo

Development

low

S26/1821
Section 211 notice to re-pollard 3 boundary Beech trees back to previously established height and spread into old cuts, leave for the next 3 or 4 years and then repeat process.
Pending
S26/1743
Single storey rear extension.
Pending
S26/1715
Submission of details reserved by Full Planning Permission Condition 4 (Construction Management Plan) and Outline Planning Permission Condition 7 (Construction Management Plan) and Informative 6 (Biodversity Net Gain Plan) of Hybrid planning permission S25/1082.
Pending

View Planning Timeline

Ownership

Corporate Ownership67.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,071

Population Density3,494 /km²

Owner Occupied47%

Age Distribution

0-15 12%16-64 60%65+ 28%

View Area Profile

Schools Nearby

Stamford Endowed Schools
0.1 mi
Inspected by ISI
Stamford Welland Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St George's Church of England Aided Primary School
0.5 mi
Good
Stamford St Gilberts Church of England Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

The Croft St Leonards Street
-
£173k
-
12 The Croft
-
£186k
-
12 The Croft
-
£175k
-
6 The Croft
-
£237k
-

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