98 Linden Road, Gloucester, GL1 5HE

UPRN:100120479213Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

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

£212,000

£201k - £222kHigh

Estimate

£212k

Range

£201k – £222k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

9.00%

Verdict

Derived from HomePortfolio scores

98 Linden Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (80/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

80/ 100

High

Transit & Bike

Transit 32Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 9 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +5.7% (HIGH), sold-comps +23.1%, £/sqft +23.1%] → 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
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100120479213· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.3%· as of 30 Oct 2026
Rental economics32/40
gross yield 9.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1500/mo (range 1400-1550)· as of 9 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 9 Nov 2026· verify before relying on this
Stress margin8.6/30
stressed cash flow +129/mo, +9% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 48 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 9 Nov 2026
Risk & liquidity14.7/15
399 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 sensitivityScores 80+ up to £150,000

£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£1,500/mo

Evidenced range £1,400-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £363/mo
Cash on cash: 6.9%
Score at this price: 58

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 100120479213Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.3%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1550)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 1500/mo (range 1400-1550)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
Seller motivation could not be scored
context, not scored: 1 price cut(s), 48 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £150,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£212,000

Rent Estimate (pcm)£1,500

Gross Yield9.00%

1y Growth-

3y Growth+0.4%

5y Growth+1.9%

10y Growth+3.2%

Last Sold Price£168,000 (2020-11-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0GL1 5HE

Approval Rate

-12mo

Development

low

26/00918/FUL
Change of use from a guest house (Class C1) to a 9-bedroom house in multiple occupancy (sui generis), with associated car parking, refuse storage, cycle storage, and landscaping works. Plans include the addition of a rooflight, windows and alterations to external walls, and the formation of a new vehicular access and dropped kerbs via Stroud Road.
Pending
26/00904/FUL
Alteration to existing single storey rear extension to form a consistent single flat roof, installation of 2no. flat roof windows and raising the cill of a window on the side elevation.
Pending
26/00887/FUL
Single storey rear extension & second floor loft dormer
Pending

View Planning Timeline

Ownership

Corporate Ownership66.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-11-06
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£30,455

Population Density10,172 /km²

Owner Occupied62%

Age Distribution

0-15 22%16-64 68%65+ 10%

View Area Profile

Schools Nearby

Linden Primary School
0.2 mi
Good
St Paul's Church of England Primary School
0.5 mi
Good
Calton Primary School
0.5 mi
Inspected as Calton Primary School (URN 115486) on 7 Dec 2021
Ribston Hall High School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

5 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

97 Linden Road
-
£235k
-
108 Linden Road
-
£235k
-
106 Linden Road
-
£155k
-
83 Linden Road
-
£195k
-

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