39 Ashmere Grove, Ipswich, IP4 2RE

UPRN:100091036306Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band AEPC: F (38)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

5 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

20 of 21 sources

Sale Estimate

£108,000

£87k - £130kLow

Estimate

£108k

Range

£87k – £130k

Rent Estimate (pcm)

£500

£450 - £550

Monthly

£500

Yield

6.32%

Verdict

Derived from HomePortfolio scores

39 Ashmere Grove earns an AVOID rating with HP Score 75/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (73/100). 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

75/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

73/ 100

High

Transit & Bike

Transit 24Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [sold-comps +3.1%, £/sqft +3.2%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%· as of 1 Nov 2026
Rental economics8.4/40
gross yield 6.3%; range width penalty ×0.80
- valuation_snapshotsrent estimate 500/mo (range 450-550)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -259/mo, -52% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 37 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 3 Nov 2026
Risk & liquidity0/15
lease 48 years (under 80): most lenders refuse it - risk scores nothing; 395 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo
- listing_factslease 48 years remaining (advert)· as of 3 Nov 2026

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

£71,000£109,000

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£95,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£550

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £26/mo
Cash on cash: 1.0%
Score at this price: 11

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 500/mo (range 450-550)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 500/mo (range 450-550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 37 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£108,000

Rent Estimate (pcm)£500

Gross Yield6.32%

1y Growth+19.3%

3y Growth+0.8%

5y Growth+1.6%

10y Growth+3.8%

Last Sold Price£58,500 (2021-03-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0IP4 2RE

Approval Rate

-12mo

Development

low

26/00816/FUL
Erection of first-floor dormer roof extension to side elevation.
Pending
26/00812/FUL
Replacement of existing windows at first- and second-floor level of flat with uPVC fire escape windows.
Pending
26/00809/FUL
Retention of single-storey rear extension, first-floor side extension and front porch as built (variation from that approved under planning permission IP/24/00012/FUL), single-storey side lean-to (south side), extended timber store and poultry house (north side), and replacement roof covering in artificial slate (retrospective application).
Pending

View Planning Timeline

Ownership

Corporate Ownership63.4%
Overseas OwnershipNo
Lease Term Remaining48 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-03-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,928

Population Density-

Owner Occupied53%

Age Distribution

0-15 18%16-64 72%65+ 10%

View Area Profile

Schools Nearby

Woodbridge Road Academy
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Mary's Catholic Primary School, Ipswich
0.2 mi
Outstanding
St Helen's Primary School
0.3 mi
Good
Clifford Community Primary School & Nursery
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14A Ashmere Grove
-
£255k
-
1 Ashmere Grove
-
£148k
-
5 Ashmere Grove
-
£226k
-
17 Ashmere Grove
-
£268k
-

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