Flat 4, 103 St Georges Road, Cheltenham, GL50 3ED

UPRN:100120412915Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: D (58)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 4, 103 St Georges Road, Cheltenham, GL50 3ED

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£229,000

£184k - £275kLow

Estimate

£229k

Range

£184k – £275k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

7.60%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 72/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (92/100). 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 NationsMarket 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

72/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

50/ 100

Elevated

Walkability

92/ 100

Excellent

Transit & Bike

Transit 46Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 10 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: the estimate sits 34% above the ask; lead to verify: 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 [sold-comps +50.2%, £/sqft +50.1%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.4%· as of 30 Oct 2026
Rental economics18.4/40
gross yield 7.6%; range width penalty ×0.88; the estimate this rent rides on sits 34% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 950/mo (range 850-1000)· as of 14 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 34% above the ask on the same snapshot - verify the rent describes this home· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -65/mo, -7% 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 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 74 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 10 Nov 2026
Risk & liquidity9.3/15
347 sales/12mo in area; valuation range width 40%
- 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

£116,000£172,500

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£150,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £151/mo
Cash on cash: 3.9%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.88 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.4%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 850-1000)Rental economics · as of 14 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 34% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 950/mo (range 850-1000)
Rental economics needs verification before you rely on it
sale estimate 34% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£229,000

Rent Estimate (pcm)£950

Gross Yield7.60%

1y Growth-

3y Growth+0.0%

5y Growth+0.5%

10y Growth+3.1%

Last Sold Price£129,995 (2005-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL50 3ED

Approval Rate

-12mo

Development

low

26/01801/CACN
1: Reduce 4x small conifer trees down to just below the wall line, 2: Top small hedge line level and reduced by around 6", 3: Reduce cherry by 1/3 , remove any over hang to the next doors property. All cuts to be to BS3998, 4: Side up all trees and bushes along fence and garage line back the fence line, 5: Reduce apple tree by 1/3 , all cuts to be to BS3998.
Approved
26/01786/DISCON
Discharge of condition 3 (Design Details) of granted listed building consent 25/02034/LBC
Pending
26/01798/CACN
1: Row of purple plum trees to be reduced by 6ft , trees are to remain as a screen from properties behind. 2: Small stump to be removed and eco plugged at ground level. 3: Small thorn tree in front garden to be removed and eco plugged. 4: Bay hedge to be reduced and shaped to 1ft below wall height. 5: All waste to be chipped and removed from site leaving the site clean and tidy free of all debris.
Approved

View Planning Timeline

Ownership

Corporate Ownership53.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-10-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,014

Population Density4,626 /km²

Owner Occupied34%

Age Distribution

0-15 21%16-64 68%65+ 11%

View Area Profile

Schools Nearby

Gloucestershire Hospital Education Service
0.2 mi
Outstanding
Christ Church CofE Primary School
0.2 mi
Outstanding
The Catholic School of Saint Gregory the Great
0.2 mi
Inspected as The Catholic School of Saint Gregory the Great (URN 115731) on 10 Oct 2023
Dean Close Airthrie
0.3 mi
Inspected by ISI

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Ashmore Court, 95 St Georges Road
-
£400k
-
The Bungalow, 97A St Georges Road
-
£200k
-
Ashmore Court, 95 St Georges Road
-
£265k
-
91 St Georges Road
-
£200k
-

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