130 High Street, Clophill, Bedford, MK45 4BL

UPRN:100080053003Detached House5 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band EEPC: D (65)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

130 High Street, Clophill, Bedford, MK45 4BL

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

£650,000

£617k - £682kHigh

Estimate

£650k

Range

£617k – £682k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

4.90%

Verdict

Derived from HomePortfolio scores

130 High Street earns an INVESTIGATE rating with HP Score 69/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (27/100). 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

69/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

27/ 100

Low

Transit & Bike

Transit 7Bike 31

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£625,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,300-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£344/mo
Cash on cash: -2.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.21 - 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£650,000

Rent Estimate (pcm)£2,550

Gross Yield4.90%

1y Growth-

3y Growth+0.4%

5y Growth+1.1%

10y Growth+2.1%

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

0MK45 4BL

Approval Rate

-12mo

Development

low

CB/26/02754/FULL
Demolition of existing garage/annexe, construction of a detached self build dwelling with double car port and single garage/shed and associated works. Alterations to the existing boundary wall.
Pending
CB/26/01711/FULL
Repairs and alterations to boundary wall
Approved
CB/26/00879/FULL
Garage conversion into a self-contained self-build two bed dwelling
Rejected

View Planning Timeline

Ownership

Corporate Ownership81.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,622

Population Density231 /km²

Owner Occupied77%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

St Mary's VA CofE Lower School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Esland Bedford School
1.6 mi
Inspected by ISI
Gravenhurst Academy
1.9 mi
Outstanding
Silsoe CofE VC Lower School
2.1 mi
Good

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

View All Schools

Comparables

View All

126A High Street
-
£675k
-
Sealawn Boarding Cattery High Street
-
£960k
-
132 High Street
-
£555k
-
126A High Street
-
£290k
-

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