23 Pearl Road, Ipswich, IP1 5HL

UPRN:100091065863Semi-Detached Bungalow2 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£226,000

£215k - £238kHigh

Estimate

£226k

Range

£215k – £238k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

5.75%

Verdict

Derived from HomePortfolio scores

23 Pearl Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (57/100). 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 NationsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

57/ 100

Moderate

Transit & Bike

Transit 25Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -6.2% (HIGH)] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100091065863· as of 12 Oct 2026
Rental economics5.6/40
gross yield 5.8%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1150/mo (range 1050-1200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -297/mo, -26% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 39 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 2 Nov 2026
Risk & liquidity14.6/15
404 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£1,150/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: -£14/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 100091065863Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1050-1200)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1150/mo (range 1050-1200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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£226,000

Rent Estimate (pcm)£1,150

Gross Yield5.75%

1y Growth-

3y Growth-2.2%

5y Growth+0.9%

10y Growth+3.5%

Last Sold Price£220,000 (2022-08-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0IP1 5HL

Approval Rate

-12mo

Development

low

26/00764/FUL
New rooflights, new windows, new door and internal alterations to extend mezzanine to provide additional space and overnight accommodation for visiting Priests.
Pending
26/00689/CON
Discharge of Condition 4 of 24/00957/FUL (Erection of detached bungalow), relating to energy & water efficiency.
Pending
26/00630/PDE
Prior notification of the erection of a single-storey flat-roof rear extension projecting 3.5m from the original rear wall of the dwelling with a maximum overall height of 3.0m and eaves height of 2.65m.
Approved

View Planning Timeline

Ownership

Corporate Ownership65.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-08-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,928

Population Density3,820 /km²

Owner Occupied67%

Age Distribution

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

View Area Profile

Schools Nearby

Whitehouse Community Primary School
0.4 mi
Inspected as Whitehouse Community Primary School (URN 124660) on 6 Jun 2019
Bramford Church of England Voluntary Controlled Primary School
0.8 mi
Good
Springfield Infant School and Nursery
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Highfield Nursery School
0.9 mi
OutstandingConcerns

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

View All Schools

Comparables

View All

8 Pearl Road
-
£183k
-
23 Pearl Road
-
£220k
-
19 Pearl Road
-
£215k
-
10 Pearl Road
-
£190k
-

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