14 Cowell Street, Ipswich, IP2 8LA

UPRN:100091045750Semi-Detached House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£198,000

£188k - £208kHigh

Estimate

£198k

Range

£188k – £208k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

8.00%

Verdict

Derived from HomePortfolio scores

14 Cowell Street earns an INVESTIGATE rating with HP Score 58/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (70/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

75/ 100

Elevated

Walkability

70/ 100

High

Transit & Bike

Transit 20Bike 56

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£150,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £186/mo
Cash on cash: 4.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£198,000

Rent Estimate (pcm)£1,000

Gross Yield8.00%

1y Growth+45.6%

3y Growth-0.7%

5y Growth+1.9%

10y Growth+3.5%

Last Sold Price£118,000 (2007-12-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0IP2 8LA

Approval Rate

-12mo

Development

low

26/00815/CON
Discharge of Condition 35 (Transport Assessment) and condition 39 (vehicular accesses) of application 17/00769/OUT: Outline application for the erection of up to 85 dwellings with associated landscaping, open space and ancillary infrastructure and works. All matters reserved except access.
Pending
26/00805/TALF
Works to tree protected by TPO 4 of 1993: Pollard tree to 6m above ground level.
Pending
26/00780/TALF
Works to tree protected by TPO 6 of 1998: Holm Oak (T1) - reduce crown by approx. 50% and reduce height by 5m.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-12-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,928

Population Density6,629 /km²

Owner Occupied16%

Age Distribution

0-15 27%16-64 69%65+ 4%

View Area Profile

Schools Nearby

Stoke High School - Ormiston Academy
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hillside Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Halifax Primary School
0.4 mi
Inspected as Halifax Primary School (URN 124670) on 6 Oct 2015
University of Suffolk
0.8 mi
-

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Cowell Street
-
£173k
-
3 Cowell Street
-
£119k
-
2 Cowell Street
-
£170k
-
24 Cowell Street
-
£192k
-

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