20 Stirling Place, Basildon, SS13 1QZ

UPRN:100090263235Semi-Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band CEPC: E (46)

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

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£394,000

£375k - £414kHigh

Estimate

£394k

Range

£375k – £414k

Rent Estimate (pcm)

£2,400

£2k - £3k

Monthly

£2,400

Yield

5.24%

Verdict

Derived from HomePortfolio scores

20 Stirling Place earns an INVESTIGATE rating with HP Score 77/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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)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

77/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

59/ 100

Moderate

Transit & Bike

Transit 7Bike 44

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-1.6/15
claims [AVM -39.6% (HIGH), sold-comps -7.8%, £/sqft -7.9%] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100090263235· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%· as of 1 Nov 2026
Rental economics1.8/40
gross yield 5.2%; range width penalty ×0.95
- valuation_snapshotsrent estimate 2400/mo (range 2250-2550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -686/mo, -29% 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: 0 price cut(s), 46 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 & liquidity14.7/15
182 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,400/mo

Evidenced range £2,250-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£195/mo
Cash on cash: -1.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.29 - 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 100090263235Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2400/mo (range 2250-2550)Rental economics · as of 13 Oct 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

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 2400/mo (range 2250-2550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 46 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. 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£394,000

Rent Estimate (pcm)£2,400

Gross Yield5.24%

1y Growth-

3y Growth+0.7%

5y Growth+3.0%

10y Growth+3.6%

Last Sold Price£185,000 (2010-03-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SS13 1QZ

Approval Rate

-12mo

Development

low

26/01211/ABAS
Installation of a fascia sign comprising a dark grey/Blue aluminium composite panel with individuallyfabricated, three-dimensional internally illuminated lettering, together with a continuous linear LED lighting stripintegrated along the upper edge of the fascia.
Pending
ESS/33/26/BAS/5/1
Details pursuant to Condition 5 (Dust Management Plan) of planning permission ESS/33/26/BAS that was for a Change of Use to Sui Generis (waste management facility) including the use of an existing building as offices; erection of a Zapp Shelter and provision for Refuse Collection Delivery Vehicle parking.
Pending
ESS/33/26/BAS/8/1
Details pursuant to Condition 8 (Ecology) of planning permission ESS/33/26/BAS that was for a Change of Use to Sui Generis (waste management facility) including the use of an existing building as offices; erection of a Zapp Shelter and provision for Refuse Collection Delivery Vehicle parking.
Pending

View Planning Timeline