86 High Street, Offord D'Arcy, St. Neots, PE19 5RH

UPRN:100090103153End Terrace HouseBeds -Built 1950-1966

Tenure: -Council Tax: Band BEPC: D (61)

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

86 High Street, Offord D'Arcy, St. Neots, PE19 5RH

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£348,000

£313k - £383kMedium

Estimate

£348k

Range

£313k – £383k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

2.33%

Verdict

Derived from HomePortfolio scores

86 High Street earns an INVESTIGATE rating with HP Score 69/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (32/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

32/ 100

Mixed

Transit & Bike

Transit 36Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -129.9% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 100090103153· as of 14 Nov 2026
Rental economics0/40
gross yield 2.3%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1400-1650)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,366/mo, -153% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 128 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 11 Nov 2026
Risk & liquidity12.8/15
577 sales/12mo in area; valuation range width 20%
- 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£1,627/mo
Cash on cash: -7.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.57 - 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 100090103153Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 1550/mo (range 1400-1650)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 1550/mo (range 1400-1650)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 128 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. 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£348,000

Rent Estimate (pcm)£1,550

Gross Yield2.33%

1y Growth-

3y Growth-1.8%

5y Growth+1.1%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2PE19 5RH

Approval Rate

100%12mo

Development

low

26/02015/TRCA
3 cherry trees and 2 ornamental pear trees to be trimmed and pruned. The cherry trees by 1.5 to 2.0 metres at the top only, and the ornamental cherry trees only slight trim no more than 0.5 metres each at the top.
Pending
26/01891/FUL
Erection of 2 detached dwellings with associated new access, parking and landscaping, following demolition of the existing outbuilding and hardstanding.
Pending
26/80254/COND
Discharge of conditions 4 (roof tiles) and 5 (mechanical equipment) of 25/01804/LBC (Reinstatement of fire damaged single storey kitchen extension and ancillary stores. Demolition and rebuild of the West Elevation. Demolition and rebuild of the upper sections of the gable walls to the North and South Elevations. Remove remaining roof structure and rebuild on a like for like basis. Replacement of affected doors and windows on a like for like basis. Replacement of external cladding to all elevations. Replacement of internal steels. Strip all wall linings and replace on a like for like basis. Replacement of all M&E installations to match existing including mechanical extraction ventilation.)
Pending

View Planning Timeline

Ownership

Corporate Ownership72.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,375

Population Density130 /km²

Owner Occupied78%

Age Distribution

0-15 18%16-64 61%65+ 21%

View Area Profile

Schools Nearby

Offord Primary School
0.2 mi
Good
Buckden CofE Primary School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Great Paxton CofE Primary School
1.7 mi
Good
Brampton Village Primary School
2.7 mi
Good

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

74A High Street
-
£525k
-
94 High Street
-
£605k
-
70 High Street
-
£550k
-
71 High Street
-
£1.30M
-

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