20 Old Market, Wisbech, PE13 1NB

UPRN:100090083031Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: -EPC: D (63)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£117,000

£111k - £123kHigh

Estimate

£117k

Range

£111k – £123k

Rent Estimate (pcm)

£550

£550 - £600

Monthly

£550

Yield

5.62%

Verdict

Derived from HomePortfolio scores

20 Old Market earns an INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (92/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

92/ 100

Excellent

Transit & Bike

Transit 22Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 13 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 -0.4% (HIGH), sold-comps -19.9%, £/sqft -20.0%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 100090083031· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 20%· as of 9 Nov 2026
Rental economics4.9/40
gross yield 5.6%; range width penalty ×1.00
- valuation_snapshotsrent estimate 550/mo (range 550-600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -221/mo, -40% 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 13 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 506 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 13 Nov 2026
Risk & liquidity14.6/15
345 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

£88,000£135,000

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£117,500

At the asking price

Monthly rent£550/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £36,550
Net cash flow: -£16/mo
Cash on cash: -0.5%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 100090083031Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 20%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 550/mo (range 550-600)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 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 550/mo (range 550-600)
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. 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£117,000

Rent Estimate (pcm)£550

Gross Yield5.62%

1y Growth-

3y Growth-0.8%

5y Growth+0.5%

10y Growth+3.6%

Last Sold Price£106,000 (2007-02-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1PE13 1NB

Approval Rate

-12mo

Development

low

F/YR26/0779/F
Change of use of existing building from to form 1 x dwelling
Pending
F/YR26/0744/LB
Internal alterations to a listed building to enable a change of use to form 1 x dwelling
Pending
F/YR26/0710/VOC
Variation of condition 04 (Parking) and 05 (list of approved plans) of planning application F/YR25/0743/F (Change of use of MOT and service centre to a self-storage facility (B8)) relating to blocking up of main entrance, blocking up staff office and store windows, new first floor window to front elevation, 2 new signs to front elevation, pv cells to roof and cladding/render added to external walls
Pending

View Planning Timeline

Ownership

Corporate Ownership77.6%
Overseas OwnershipNo
Lease Term Remaining73 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2007-02-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,125

Population Density-

Owner Occupied64%

Age Distribution

0-15 17%16-64 61%65+ 22%

View Area Profile

Schools Nearby

Cambian Wisbech School
0.1 mi
Good
OA - Nene Valley
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wisbech Grammar School
0.2 mi
Inspected by ISI
Peckover Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

31 Old Market
-
£102k
-
22 - 23 Old Market
-
£375k
-
20 - 21 Old Market
-
£95k
-
30 Old Market
-
£135k
-

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