22 Elm Court, Hillcourt Road, Cheltenham, GL52 3JU

UPRN:100120408152Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band CEPC: D (64)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

22 Elm Court, Hillcourt Road, Cheltenham, GL52 3JU

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£210,000

£199k - £220kHigh

Estimate

£210k

Range

£199k – £220k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

5.40%

Verdict

Derived from HomePortfolio scores

22 Elm Court earns an INVESTIGATE rating with HP Score 78/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (53/100). 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

78/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

53/ 100

Moderate

Transit & Bike

Transit 24Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 13 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 edge2.5/15
claims [AVM +4.8% (HIGH), sold-comps +7.8%, £/sqft +7.8%] → measured edge +0.50pp 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 Nov 2026
- valuation_snapshotsestimate for 100120408152· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 9.2%· as of 4 Nov 2026
Rental economics2.8/40
gross yield 5.4%; range width penalty ×0.87
- valuation_snapshotsrent estimate 900/mo (range 850-1000)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -312/mo, -35% 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 13 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 103 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 13 Nov 2026
Risk & liquidity14.6/15
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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: -£52/mo
Cash on cash: -1.0%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 100120408152Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 9.2%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 900/mo (range 850-1000)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026

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 900/mo (range 850-1000)
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£210,000

Rent Estimate (pcm)£900

Gross Yield5.40%

1y Growth+3.0%

3y Growth+3.0%

5y Growth+1.9%

10y Growth+3.4%

Last Sold Price£52,500 (1998-05-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0GL52 3JU

Approval Rate

-12mo

Development

low

26/01762/FUL
Demolition of the existing garage and the erection of a replacement garage with a pitched roof.
Pending
26/01757/FUL
Two storey extension, roof alterations and remodelling of the existing property, including alterations to boundary treatment.
Pending
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

View Planning Timeline