21 Oak Farm Drive, Milcombe, Banbury, OX15 4GA

UPRN:10011935941Detached House4 bedsBuilt 2020

LeaseholdCouncil Tax: Band DEPC: B (86)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 3mo ago

21 Oak Farm Drive, Milcombe, Banbury, OX15 4GA

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£462,000

£439k - £485kHigh

Estimate

£462k

Range

£439k – £485k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

19.30%

Verdict

Derived from HomePortfolio scores

21 Oak Farm Drive earns an INVESTIGATE rating with HP Score 64/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (13/100). 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)Defra 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

13/ 100

Low

Transit & Bike

Transit 8Bike 20

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
estimate implies a 75% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£115,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £35,800
Net cash flow: £893/mo
Cash on cash: 29.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.77 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£462,000

Rent Estimate (pcm)£1,850

Gross Yield19.30%

1y Growth-

3y Growth-1.9%

5y Growth+0.7%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0OX15 4GA

Approval Rate

-12mo

Development

low

25/02380/F
Part single storey part two storey rear extension, new porch and internal alterations
Pending
25/02206/F
Single storey rear extension
Approved
25/01931/F
Erection of detached dwelling with garage (self-build)
Pending

View Planning Timeline

Ownership

Corporate Ownership81.4%
Overseas OwnershipNo
Lease Term Remaining122 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,568

Population Density126 /km²

Owner Occupied68%

Age Distribution

0-15 21%16-64 60%65+ 19%

View Area Profile

Schools Nearby

Bloxham Church of England Primary School
1.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bloxham School
1.7 mi
Inspected by ISI
The Warriner School
2.1 mi
Good
Bloxham Grove Academy
2.3 mi
-

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

52 Oak Farm Drive
-
£135k
-
1 Oak Farm Drive
-
£695k
-
3 Oak Farm Drive
-
£420k
-
12 Oak Farm Drive
-
£2.60M
-

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