109 Banham Road, Beccles, NR34 9JP

UPRN:100091150436Terrace Property3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: E (54)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£169,000

£160k - £177kHigh

Estimate

£169k

Range

£160k – £177k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

6.00%

Verdict

Derived from HomePortfolio scores

109 Banham Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (36/100). 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)Defra 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

70/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

36/ 100

Mixed

Transit & Bike

Transit 25Bike 66

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£160,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: £14/mo
Cash on cash: 0.3%
Score at this price: -

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.

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£169,000

Rent Estimate (pcm)£800

Gross Yield6.00%

1y Growth-

3y Growth-1.5%

5y Growth-1.2%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NR34 9JP

Approval Rate

-12mo

Development

low

DC/26/3848/DRC
Discharge of Condition Nos. 5, 8, 15, 16, 17, 19, and 21 of DC/26/1824/FUL - Full Planning application for the development of No. 6 homes, following the demolition of the existing home, and the creation of a new vehicular access, and associated landscaping and infrastructure - 5 (Biodiversity Lighting Strategy); 8 (Hard and Soft Landscaping Scheme); 15 (New Vehicular Access); 16 (New Footway Details); 17 (New Access Surfacing); 19 (Cycle Storage Details); and 21 (Surface Water Drainage).
Pending
DC/26/3742/FUL
Construction of single storey front extension.
Pending
DC/26/3668/PNH
Prior Notification (Householder) - 8m single storey extension
Pending

View Planning Timeline

Ownership

Corporate Ownership76%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,261

Population Density3,566 /km²

Owner Occupied68%

Age Distribution

0-15 18%16-64 61%65+ 21%

View Area Profile

Schools Nearby

Beccles High School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Beccles Primary Academy
0.6 mi
Good
Ravensmere Infant School
0.6 mi
Good
The Albert Pye Community Primary School
0.6 mi
Good

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

93 Banham Road
-
£145k
-
101 Banham Road
-
£130k
-
93 Banham Road
-
£110k
-
87 Banham Road
-
£124k
-

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