108 Gladstone Street, Norwich, NR2 3BJ

UPRN:100090902027Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: C (69)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£237,000

£225k - £249kHigh

Estimate

£237k

Range

£225k – £249k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

6.00%

Verdict

Derived from HomePortfolio scores

108 Gladstone Street earns an INVESTIGATE rating with HP Score 88/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (95/100). 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 listingsMarket 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

88/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

95/ 100

Excellent

Transit & Bike

Transit 55Bike 85

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -1.3% (HIGH), sold-comps -1.7%, £/sqft -1.9%] → 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 Oct 2026
- valuation_snapshotsestimate for 100090902027· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%· as of 30 Oct 2026
Rental economics7.6/40
gross yield 6.0%; range width penalty ×0.95
- valuation_snapshotsrent estimate 1200/mo (range 1150-1300)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -260/mo, -22% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 30 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 4 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

£180,000£276,000

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£240,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £21/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 100090902027Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1200/mo (range 1150-1300)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1200/mo (range 1150-1300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 30 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£237,000

Rent Estimate (pcm)£1,200

Gross Yield6.00%

1y Growth-

3y Growth-0.1%

5y Growth+1.6%

10y Growth+2.6%

Last Sold Price£191,000 (2018-10-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NR2 3BJ

Approval Rate

-12mo

Development

low

26/01031/TCA
T1 Lime: Re-pollard T2 Holly: Reduce height from 9m to 7m, crown spread from 9m to 7m.
Pending
26/01032/TCA
T1 Olive: Reduce height from 5m to 3m, spread from 4.5m to 3.5m; T2 Olive: Reduce height from 5m to 3m, spread from 5m to 3.5m; T3 Winter flowering cherry: Reduce height from 6m to 4m, spread from 8m to 5m; T4 Birch: Remove low branches to a height of 2.5m; T5 Mulberry: Reduce height from 6.5m to 4.5m, spread from 9m to 5m.
Pending
26/01006/TCA
T1 - Podocarpus: Reduce height from 5.5m to 4.5m, spread from 5m to 3m. T2 - Pittosporum: Reduce height from 6m to 4.5m, spread from 3m to 2m.
Pending

View Planning Timeline

Ownership

Corporate Ownership61.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-10-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,421

Population Density-

Owner Occupied57%

Age Distribution

0-15 14%16-64 75%65+ 11%

View Area Profile

Schools Nearby

Notre Dame Preparatory School (Norwich) Limited
0.1 mi
Inspected by ISI
Red Balloon Educational Trust-Norfolk
0.2 mi
Good
Nelson Infant School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wensum Junior School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

90 Gladstone Street
-
£228k
-
116 Gladstone Street
-
£82k
-
71 Gladstone Street
-
£190k
-
87 Gladstone Street
-
£216k
-

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