15 Stephenson Court, Old College Road, Newbury, RG14 1TH

UPRN:10009195485Flat/Maisonette2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: C (73)

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

15 Stephenson Court, Old College Road, Newbury, RG14 1TH

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£294,000

£279k - £309kHigh

Estimate

£294k

Range

£279k – £309k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

6.11%

Verdict

Derived from HomePortfolio scores

15 Stephenson Court earns an INVESTIGATE rating with HP Score 79/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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

79/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 13Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 12 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +3.1% (HIGH), sold-comps +8.7%, £/sqft +8.6%] → 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
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10009195485· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 12.4%· as of 31 Oct 2026
Rental economics8.2/40
gross yield 6.1%; range width penalty ×0.92
- valuation_snapshotsrent estimate 1450/mo (range 1350-1550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -267/mo, -18% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 12 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 50 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 12 Nov 2026
Risk & liquidity14.6/15
565 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

£214,000£328,000

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£285,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £91,050
Net cash flow: £42/mo
Cash on cash: 0.6%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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 10009195485Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 12.4%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1450/mo (range 1350-1550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 1450/mo (range 1350-1550)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£294,000

Rent Estimate (pcm)£1,450

Gross Yield6.11%

1y Growth+34.6%

3y Growth-1.8%

5y Growth+1.5%

10y Growth+1.9%

Last Sold Price£135,000 (2019-04-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0RG14 1TH

Approval Rate

-12mo

Development

low

26/02443/TPW
T1 Acacia: crown reduce the canopy by 30%. Leaving the tree at a height of roughly 10 metres and a crown radius of roughly 3 metres. Reason: this tree recently had a large limb in the upper canopy fail. It was hanging on by a thread over the public footpath. This has raised concern with the owners for potential future failings of limbs. My advice to reduce the entire canopy would give a few years at least of no worry of this happening again.
Pending
26/02405/ADV
Repainting of shop front, installation of replacement fascia sign, installation of projecting sign and installation of vitrine pocket screens
Pending
26/02398/TPC
3× Poplars: repollard three Poplar trees back to their previous historical pollarding points The proposed works will involve: Reducing all three Poplars to their established historical pollarding points. Removing extended and potentially unstable lateral limbs. Retaining the established pollarded structure of each tree.Removing all resulting arisings from the site.
Pending

View Planning Timeline

Ownership

Corporate Ownership54.1%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-04-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,513

Population Density3,630 /km²

Owner Occupied49%

Age Distribution

0-15 16%16-64 60%65+ 24%

View Area Profile

Schools Nearby

Speenhamland School
0.2 mi
Good
Robert Sandilands Primary School and Nursery
0.3 mi
-
The Winchcombe School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Victoria Park Nursery School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Stephenson Court
-
£270k
-
12 Stephenson Court
-
£260k
-
6 Stephenson Court
-
£320k
-
24 Stephenson Court
-
£298k
-

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