14 Verney Road, Banbury, OX16 4QW

UPRN:10011912693Purpose Built Flat2 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: Band BEPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

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

£169,000

£161k - £178kHigh

Estimate

£169k

Range

£161k – £178k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

8.25%

Verdict

Derived from HomePortfolio scores

14 Verney Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (77/100). 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

75/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 25Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 3 Nov 2026

Fewer independent sources agree, or a component could not be scored.

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 +5.3% (HIGH), sold-comps +3.6%, £/sqft +3.7%] → 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10011912693· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.3%· as of 1 Nov 2026
Rental economics26/40
gross yield 8.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1100/mo (range 1050-1150)· as of 13 Oct 2026· verify before relying on this
Stress margin0.3/30
stressed cash flow +3/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 85 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 3 Nov 2026
Risk & liquidity14.6/15
510 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 sensitivityScores 70+ up to £128,000

£120,000£184,000

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£160,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: £222/mo
Cash on cash: 5.3%
Score at this price: 43

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.04 - 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 10011912693Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1100/mo (range 1050-1150)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1100/mo (range 1050-1150)
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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £128,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£169,000

Rent Estimate (pcm)£1,100

Gross Yield8.25%

1y Growth-

3y Growth+0.3%

5y Growth+1.1%

10y Growth+3.0%

Last Sold Price£149,000 (2019-06-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OX16 4QW

Approval Rate

-12mo

Development

low

26/02907/F
Conversion of part of the ground floor retail unit to vertical cycle storage for the proposed upper floor use. Conversion of the upper floors of the building into a 6-bedroom House in Multiple Occupation (HMO) and a separate self-contained studio apartment. Addition of 2 new windows to east elevation and 2 new roof lights to north elevation.
Pending
26/02908/LB
Internal alterations to facilitate the conversion of part of the ground floor retail unit to vertical cycle storage for the proposed upper floor use and conversion of the upper floors of the building into a 6-bedroom House in Multiple Occupation (HMO) and a separate self-contained studio apartment. Addition of 2 new windows to east elevation and 2 new roof lights to north elevation.
Pending
26/02913/F
Change of Use from tattoo parlour (sui generis) to private members club - licensed (sui generis)
Pending

View Planning Timeline

Ownership

Corporate Ownership68.2%
Overseas OwnershipNo
Lease Term Remaining133 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-06-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,568

Population Density4,043 /km²

Owner Occupied26%

Age Distribution

0-15 20%16-64 72%65+ 8%

View Area Profile

Schools Nearby

Dashwood Banbury Academy
0.1 mi
Good
St Leonard's Church of England Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Priory School
0.6 mi
Inspected by ISI
English Language Training
0.7 mi
-

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

54 Verney Road
-
£144k
-
42 Verney Road
-
£133k
-
18 Verney Road
-
£242k
-
31 Verney Road
-
£135k
-

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