9 The Verneys, Cheltenham, GL53 7DB

UPRN:100120400995Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band EEPC: D (68)

Data freshness:Listing· freshOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£692,000

£657k - £727kHigh

Estimate

£692k

Range

£657k – £727k

Rent Estimate (pcm)

£2,950

£3k - £3k

Monthly

£2,950

Yield

5.09%

Verdict

Derived from HomePortfolio scores

9 The Verneys earns an INVESTIGATE rating with HP Score 76/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (51/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

51/ 100

Moderate

Transit & Bike

Transit 19Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 -0.4% (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 10 Nov 2026
- valuation_snapshotsestimate for 100120400995· as of 10 Nov 2026
Rental economics0.6/40
gross yield 5.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 2950/mo (range 2700-3200)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -894/mo, -30% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 207 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 11 Nov 2026
Risk & liquidity14.6/15
271 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

£521,000£799,000

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£695,000

At the asking price

Monthly rent£2,950/mo

Evidenced range £2,700-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£303/mo
Cash on cash: -1.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - 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 100120400995Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 2950/mo (range 2700-3200)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 2950/mo (range 2700-3200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 207 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£692,000

Rent Estimate (pcm)£2,950

Gross Yield5.09%

1y Growth-

3y Growth+0.5%

5y Growth+3.0%

10y Growth+3.1%

Last Sold Price£137,000 (1999-02-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2GL53 7DB

Approval Rate

100%12mo

Development

low

26/01812/CACN
T2 Cherry. Crown height reduction of 1m and spread by a maximum 1m, pruning back to previous reduction points, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image. T5 Paper Birch. Crown thin whole canopy by 20%, cutting back to strong suitable secondary growth, to allow more light penetration onto garden. T7 Apple. Removal of decayed limbs over lawn area back to main stem. Height reduction of 1.5m and spread by 1m, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image.
Approved
26/01804/CACN
T1 Copper Beech. Removal of all regrowth, back to previous reduction points, 1.7m all over and crown lift up to 2.5m all around. New shape indicated in red on image. T3 Silver Birch. Crown height reduction of 2m and spread by 1m, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image. T4 Pittosporum - Crown reduction of 2m and spread by 1m, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image.
Approved
26/01796/FUL
Installation of photovoltaic (PV) panels on the roof of the Outpatients Block.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-02-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,014

Population Density3,828 /km²

Owner Occupied82%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Naunton Park Primary School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Cheltenham College
0.4 mi
Inspected by ISI
St Edward's School
0.5 mi
Inspected by ISI
University of Gloucestershire
0.7 mi
-

1 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

8 The Verneys
-
£585k
-
17 The Verneys
-
£685k
-
18 The Verneys
-
£626k
-
10 The Verneys
-
£670k
-

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