Flat 16, Pittville Court, Albert Road, Cheltenham, GL52 3JA

UPRN:100120404355Purpose Built Flat2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: -EPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 16, Pittville Court, Albert Road, Cheltenham, GL52 3JA

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£242,000

£230k - £254kHigh

Estimate

£242k

Range

£230k – £254k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

5.74%

Verdict

Derived from HomePortfolio scores

Flat 16 earns an INVESTIGATE rating with HP Score 82/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (71/100). 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)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

82/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

71/ 100

High

Transit & Bike

Transit 35Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +5.0% (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 9 Oct 2026
- valuation_snapshotsestimate for 100120404355· as of 9 Oct 2026
Rental economics5.5/40
gross yield 5.7%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1100/mo (range 1000-1150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -292/mo, -27% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 116 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 & liquidity14.7/15
595 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

£172,500£264,500

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£230,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: -£15/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 100120404355Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1000-1150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1100/mo (range 1000-1150)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£242,000

Rent Estimate (pcm)£1,100

Gross Yield5.74%

1y Growth-

3y Growth+3.0%

5y Growth+1.9%

10y Growth+3.4%

Last Sold Price£195,000 (2015-12-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL52 3JA

Approval Rate

-12mo

Development

low

26/01758/CACN
Front garden - T.1 - Sorbus - reduce crown by 1-1.5m and shape back to previous pruning points T.2 - Box elder - reduce crown by 1-2m and shape back to previous pruning points T.3 - Holly - reduce crown by 0.5-1m and shape back to previous pruning points T.4 - Norway maple (crimson king)- reduce crown by 1-1.5m and shape back to previous pruning points T.5 - Box elder - reduce crown by 1-2m and shape back to previous pruning points T.6 - Norway maple (crimson king)- reduce crown by 1-1.5m and shape back to previous pruning points Rear garden - T.7 - Himalayan birch - reduce crown by 1.5m and shape back to previous pruning points T.8 - Himalayan birch - reduce crown by 1.5m and shape back to previous pruning points T.9 - Norway maple (crimson king)- reduce crown by 1-1.5m and shape back to previous pruning points T.10 - Norway maple (emerald queen)- reduce crown by 1-1.5m and shape back to previous pruning points T.11 - Norway maple (crimson king)- reduce crown by 1-1.5m and shape back to previous pruning points G.1 - Hawthorn x3 along rear wall line - reduce and shape by 1m back to previous pruning points Holly along rear wall line - shape/trim up back to previous pruning points T.12 - Box elder in neighbouring garden - reduce crown overhang on garden side by 2m and reduce overall crown by 1.5m and shape T.13 - Cherry - reduce crown and shape by 0.5m back to previous pruning points T.14 - Cherry - reduce crown and shape by 0.5m back to previous pruning points
Approved
26/01673/CLEUD
Use of the property as a 7 bedroom licensed HMO
Pending
26/01674/FUL
Replacement of existing white uPVC windows and glazed doors to the rear elevation with new powder-coated aluminium units
Pending

View Planning Timeline

Ownership

Corporate Ownership70.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-12-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,014

Population Density-

Owner Occupied79%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Pittville School
0.1 mi
-
Dunalley Primary School
0.2 mi
Good
Holy Trinity Church of England Primary School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Oakwood Primary School
0.7 mi
Requires improvement

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

View All Schools

Comparables

View All

Pittville Court Albert Road
-
£305k
-
Pittville Court Albert Road
-
£390k
-
Pittville Court Albert Road
-
£222k
-
Pittville Court Albert Road
-
£290k
-

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