Data freshness:●Listing· freshListing: fresh, refreshed yesterday (2026-11-06T04:00:06.530844+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T06:46:05.996545+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:46:37.524082+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T09:34:21.097729+00:00)●Risk· 2y agoRisk: stale, refreshed 2y ago (2024-12-31T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
79
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
16 of 21 sources
Sale Estimate
£219,000
£197k - £241kMedium
Estimate
£219k
Range
£197k – £241k
Rent Estimate (pcm)
£1,700
£2k - £2k
Monthly
£1,700
Yield
17.00%
Verdict
Derived from HomePortfolio scores
165 High Street earns an INVESTIGATE rating with HP Score 79/100. Investment score 82/100 reflects strong fundamentals. Crime intensity is low. 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)ONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS
Proposed front extension plus alterations to the existing front extension.
Pending
P/2026/0015
Change of use from a dwellinghouse (Class C3) to residential care home (Class C2) for up to 4 children
Approved
P/2025/0173
Conversion and change of use of 2nd floor of Ebenezer Chapel (D1) to residential use (C3) forming part of number 2 Ebenezer Chapel Cottages with rear second floor access/egress external stairs and stove with chimney stack
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
Opportunity
Why this could be an opportunity
85
Low confidence1 independent sourceLead to verifyListing checked 6 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: the estimate sits 45% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [AVM +45.2% (MEDIUM), sold-comps +47.6%, £/sqft +47.7%] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
valuation_snapshotsestimate for 100100460653· as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 15.7%· as of 21 Oct 2026
Rental economics40/40
gross yield 17.0%; range width penalty ×1.00; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1700/mo (range 1650-1800)· as of 10 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin30/30
stressed cash flow +613/mo, +36% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 89 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 6 Nov 2026
Risk & liquidity12.8/15
196 sales/12mo in area; valuation range width 20%
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 sensitivityScores 80+ above the tested range (still 80+ at £138,000)
£111,000£138,000
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
£120,000
At the asking price
£1,700/mo
Evidenced range £1,650-£1,800
5.4%
75%
Cash required
£37,300
Net cash flow
£772/mo
Cash on cash
24.8%
Score at this price
85
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.20 - 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 100100460653Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 15.7%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 1700/mo (range 1650-1800)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 1700/mo (range 1650-1800)
Rental economics needs verification before you rely on it
sale estimate 45% above the ask on the same snapshot - verify the rent describes this home
Plan
Before you offer
1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Set your own walk-away price before viewing - the deal still scores 80+ at £138,000, the top of the tested range, so the score gives no ceiling below that.
Computed by re-running the score at higher prices; it never dropped below the threshold.
3. 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.
4. Commission a full structural survey, not a basic condition report.
Stress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026