3 Hobby Road, Bodicote, Banbury, OX15 4GH

UPRN:10011921877Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band CEPC: B (83)

Data freshness:Planning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

3 Hobby Road, Bodicote, Banbury, OX15 4GH

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£213,000

£202k - £224kHigh

Estimate

£213k

Range

£202k – £224k

Rent Estimate (pcm)

£800

£750 - £900

Monthly

£800

Yield

4.87%

Verdict

Derived from HomePortfolio scores

3 Hobby Road earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (17/100). 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 NationsMarket 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

69/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

17/ 100

Low

Transit & Bike

Transit 10Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [AVM +7.5% (HIGH), sold-comps +11.3%, £/sqft +11.1%] → 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 10011921877· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 8.2%· as of 6 Nov 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 750-900)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -560/mo, -70% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 59 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
255 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

£148,000£226,500

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£197,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £61,840
Net cash flow: -£111/mo
Cash on cash: -2.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - below 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 10011921877Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 8.2%Valuation edge · as of 6 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-900)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 800/mo (range 750-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 59 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£213,000

Rent Estimate (pcm)£800

Gross Yield4.87%

1y Growth+10.5%

3y Growth-1.9%

5y Growth+0.7%

10y Growth+2.9%

Last Sold Price£199,950 (2021-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OX15 4GH

Approval Rate

-12mo

Development

low

26/02938/F
Two-storey side/rear extension, insertion of a ground-floor side window, and installation of dwarf walls and posts to the existing front entrance canopy.
Pending
26/02855/LB
Conversion of existing stone outbuilding to form guest annexe ancillary to Herbal House, including replacement roof, formation of new opening with feature glazing to the east elevation, replacement windows and doors and associated repairs.
Pending
26/02854/F
Conversion of existing stone outbuilding to form guest annexe ancillary to Herbal House, including replacement roof, formation of new opening with feature glazing to the east elevation, replacement windows and doors and associated repairs.
Pending

View Planning Timeline

Ownership

Corporate Ownership81.4%
Overseas OwnershipNo
Lease Term Remaining114 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-09-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,568

Population Density1,008 /km²

Owner Occupied65%

Age Distribution

0-15 31%16-64 66%65+ 3%

View Area Profile

Schools Nearby

Longford Park Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bishop Loveday Church of England Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Grange Community Primary School
0.8 mi
Good
St John's Catholic Primary School
0.8 mi
Good

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

View All Schools

Comparables

View All

1 Hobby Road
-
£210k
-
67 Hobby Road
-
£315k
-
35 Hobby Road
-
£380k
-
67 Hobby Road
-
£330k
-

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