Garden Cottage, Stockwood Hill, Keynsham, Bristol, BS31 2AN

UPRN:100120054119Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: F (37)

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

Garden Cottage, Stockwood Hill, Keynsham, Bristol, BS31 2AN

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£1,096,000

£986k - £1.21MMedium

Estimate

£1.10M

Range

£986k – £1.21M

Rent Estimate (pcm)

£4,850

£4k - £5k

Monthly

£4,850

Yield

5.29%

Verdict

Derived from HomePortfolio scores

Garden Cottage earns an INVESTIGATE rating with HP Score 72/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (59/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

59/ 100

Moderate

Transit & Bike

Transit 10Bike 48

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM -0.4% (MEDIUM), sold-comps -23.9%, £/sqft -23.9%] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100120054119· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.9%· as of 24 Oct 2026
Rental economics1.9/40
gross yield 5.3%; range width penalty ×0.83
- valuation_snapshotsrent estimate 4850/mo (range 4400-5300)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,206/mo, -25% 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 30 Oct 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
275 sales/12mo in area; valuation range width 20%
- 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£4,850/mo

Evidenced range £4,400-£5,300

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: -£355/mo
Cash on cash: -1.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - 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 100120054119Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.9%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 4850/mo (range 4400-5300)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 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 4850/mo (range 4400-5300)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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£1,096,000

Rent Estimate (pcm)£4,850

Gross Yield5.29%

1y Growth-

3y Growth+3.2%

5y Growth+3.1%

10y Growth+3.5%

Last Sold Price£450,000 (2002-10-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BS31 2AN

Approval Rate

-12mo

Development

low

26/03453/OUT
Outline planning application for up to 55 dwellings and associated infrastructure including access improvements, with all matters reserved except for access
Pending
26/03433/FUL
Erection of single storey rear extension following demolition of exisitng conservatory
Pending
26/03069/FUL
Hip to gable and rear dormer loft conversion, single storey side extension, changes to roof at ground floor and creation of level access patio with associated works.
Approved

View Planning Timeline

Ownership

Corporate Ownership58.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-10-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

23 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,481

Population Density597 /km²

Owner Occupied74%

Age Distribution

0-15 20%16-64 55%65+ 25%

View Area Profile

Schools Nearby

Lift Broadlands
0.3 mi
Good
St Keyna Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Church of England Primary School
0.7 mi
Good
Somerdale Educate Together Primary Academy
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Whitegate Nurseries Stockwood Hill
-
£320k
-
Fanshawe Stockwood Hill
-
£575k
-
The Elms Stockwood Hill
-
£695k
-
Fanshawe Stockwood Hill
-
£460k
-

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