102 London Road, Gloucester, GL1 3PL

UPRN:100120479502Terrace Property5 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£639,000

£607k - £671kHigh

Estimate

£639k

Range

£607k – £671k

Rent Estimate (pcm)

£4,450

£4k - £5k

Monthly

£4,450

Yield

7.63%

Verdict

Derived from HomePortfolio scores

102 London Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (81/100). 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

64/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

62/ 100

Elevated

Walkability

81/ 100

High

Transit & Bike

Transit 26Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -9.5% (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 12 Oct 2026
- valuation_snapshotsestimate for 100120479502· as of 12 Oct 2026
Rental economics20.5/40
gross yield 7.6%; range width penalty ×0.98
- valuation_snapshotsrent estimate 4450/mo (range 4200-4700)· as of 12 Oct 2026· verify before relying on this
Stress margin4.2/30
stressed cash flow +188/mo, +4% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 52 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 2 Nov 2026
Risk & liquidity14.6/15
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 70+ up to £542,500

£525,000£805,000

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£700,000

At the asking price

Monthly rent£4,450/mo

Evidenced range £4,200-£4,700

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: £718/mo
Cash on cash: 3.6%
Score at this price: 39

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

valuation_snapshotsestimate for 100120479502Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 4450/mo (range 4200-4700)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 4450/mo (range 4200-4700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 52 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. Set your walk-away price before viewing - above £542,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£639,000

Rent Estimate (pcm)£4,450

Gross Yield7.63%

1y Growth-

3y Growth+0.4%

5y Growth+1.9%

10y Growth+3.2%

Last Sold Price£377,000 (2017-02-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1GL1 3PL

Approval Rate

100%12mo

Development

low

26/00957/FUL
Proposed demolition of conservatory and erection single storey extension and minor works to existing dormer and installation of two new roof lights
Pending
26/00947/LAW
Change of use from a single-family dwelling house (Use Class C3) to a House in Multiple Occupation (HMO) for up to 6 residents (Use Class C4).
Pending
26/00924/CONDIT
Discharge of condition 7 (replacement tree planting) on planning permission ref. 23/00984/FUL.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-02-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,455

Population Density4,918 /km²

Owner Occupied26%

Age Distribution

0-15 13%16-64 73%65+ 14%

View Area Profile

Schools Nearby

Wotton House International School Gloucestershire
0.2 mi
Inspected by ISI
Edward Jenner School
0.2 mi
Inspected by ISI
St Peter's Catholic Primary School
0.3 mi
Inspected as St Peter's Catholic Primary School (URN 134928) on 5 Oct 2023
Denmark Road High School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

110 London Road
-
£600k
-
Hewmar House, 120 London Road
-
£400k
-
136 London Road
-
£550k
-
104 London Road
-
£425k
-

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