2 The Elms, Kempston, Bedford, MK42 7JN

UPRN:100080039720Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band DEPC: C (69)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£372,000

£335k - £410kMedium

Estimate

£372k

Range

£335k – £410k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

4.80%

Verdict

Derived from HomePortfolio scores

2 The Elms earns an INVESTIGATE rating with HP Score 74/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (61/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 21Bike 73

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£425,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,600-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: -£257/mo
Cash on cash: -2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£372,000

Rent Estimate (pcm)£1,700

Gross Yield4.80%

1y Growth-

3y Growth+2.2%

5y Growth+3.8%

10y Growth+4.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK42 7JN

Approval Rate

-12mo

Development

low

26/01878/FUL
Proposed two storey side extension to provide additional office space and to provide replacement for existing timber shed. New timber cycle store shed and works to remove existing meal gate and fence to parking area to provide improved access.
Pending
26/01790/HPN
Prior notification for single storey rear extension(s) between 3 and 6 metres depth. This is not a planning application because it relates to development that is permitted by Government Regulation. It will not therefore be reported to the Planning Committee but considered by officers under delegated powers. Only objections from adjoining neighbours can be considered.
Pending
26/01772/FUL
Single storey side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership81%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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£35,987

Population Density3,315 /km²

Owner Occupied80%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

Springfield Primary School
0.2 mi
Good
Daubeney Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Camestone School
0.4 mi
Good
Bedford Road Primary Academy
0.4 mi
Report card2025
Ofsted no longer awards a single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 The Elms
-
£362k
-
3 The Elms
-
£270k
-
3 The Elms
-
£218k
-
3 The Elms
-
£205k
-

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