Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-02T04:00:05.857782+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T06:51:26.256162+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:40:36.861115+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+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)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 4mo agoCouncil Tax: stale, refreshed 4mo ago (2026-07-03T07:41:16.386402+00:00)
HP Score
75
/ 100
Strong
Verdict
2 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
15 of 21 sources
Sale Estimate
£130,000
£117k - £144kMedium
Estimate
£130k
Range
£117k – £144k
Rent Estimate (pcm)
£850
£800 - £900
Monthly
£850
Yield
8.87%
Verdict
Derived from HomePortfolio scores
29 Windsor Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)ONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS
High confidence3 independent sourcesListing checked 2 Nov 2026
Every component scored, and three or more independent sources agree.
Valuation edge2.5/15
claims [AVM +11.5% (MEDIUM), sold-comps +55.4%, £/sqft +55.4%] → 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 12 Oct 2026
valuation_snapshotsestimate for 100100856439· as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 3.6%· as of 1 Nov 2026
Rental economics29.9/40
gross yield 8.9%; range width penalty ×0.96
valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 12 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin1.1/30
stressed cash flow +10/mo, +1% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 & liquidity12.7/15
413 sales/12mo in area; valuation range width 21%
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
£86,000£132,000
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
£115,000
At the asking price
£850/mo
Evidenced range £800-£900
5.4%
75%
Cash required
£35,800
Net cash flow
£200/mo
Cash on cash
6.7%
Score at this price
46
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.19 - 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 100100856439Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 3.6%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
Risks
What could kill this deal
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-900)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
Seller motivation could not be scored
context, not scored: 0 price cut(s), 49 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
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.
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026