Firbank, Publow Lane, Pensford, Bristol, BS39 4HW

UPRN:100120053786Detached Bungalow5 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band EEPC: C (72)

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

Firbank, Publow Lane, Pensford, Bristol, BS39 4HW

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£738,000

£701k - £775kHigh

Estimate

£738k

Range

£701k – £775k

Rent Estimate (pcm)

£3,200

£3k - £3k

Monthly

£3,200

Yield

5.19%

Verdict

Derived from HomePortfolio scores

Firbank earns an INVESTIGATE rating with HP Score 71/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (29/100). 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)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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

29/ 100

Low

Transit & Bike

Transit 10Bike 22

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM -0.3% (HIGH)] → measured edge +0.00pp 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 12 Oct 2026
- valuation_snapshotsestimate for 100120053786· as of 12 Oct 2026
Rental economics1.3/40
gross yield 5.2%; range width penalty ×0.89
- valuation_snapshotsrent estimate 3200/mo (range 2950-3450)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -900/mo, -28% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 164 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 & liquidity14.6/15
149 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

£555,000£851,000

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£740,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,950-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £250,300
Net cash flow: -£282/mo
Cash on cash: -1.4%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 100120053786Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3200/mo (range 2950-3450)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3200/mo (range 2950-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 164 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. 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£738,000

Rent Estimate (pcm)£3,200

Gross Yield5.19%

1y Growth+61.1%

3y Growth-1.0%

5y Growth+1.7%

10y Growth+3.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BS39 4HW

Approval Rate

-12mo

Development

low

26/02151/COND
Discharge of conditions 4 (Ecological and Biodiversity Net Gain Compliance Report ) and 7 (Landscape Design Proposals) of application 23/02251/FUL (Erection of 2no. bungalows)
Rejected
26/01077/ADCOU
Prior approval request for the conversion of an existing agricultural building to 2 no. residential dwellinghouses (Use Class C3) and associated operational development.
Pending
26/00048/CLEU
Erection of conservatory / orangery (Certificate of Lawfulness for an Existing Use).
Approved

View Planning Timeline

Ownership

Corporate Ownership63.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,481

Population Density172 /km²

Owner Occupied76%

Age Distribution

0-15 16%16-64 60%65+ 24%

View Area Profile

Schools Nearby

Pensford Primary School
0.1 mi
Good
Stanton Drew Primary School
1.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Whitchurch Primary School
2.4 mi
Inspected as Whitchurch Primary School (URN 109073) on 22 May 2018
Bridge Farm Primary School
2.5 mi
Good

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Willowmede Publow Lane
-
£725k
-
Portal Publow Lane
-
£450k
-
The Limes Publow Lane
-
£400k
-
Windy Willows, 3 Publow Lane
-
£300k
-

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