5 Ridge Close, Banbury, OX16 9BJ

UPRN:100120769428Semi-Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: C (69)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£308,000

£292k - £323kHigh

Estimate

£308k

Range

£292k – £323k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

6.29%

Verdict

Derived from HomePortfolio scores

5 Ridge Close earns an INVESTIGATE rating with HP Score 74/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (78/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

41/ 100

Elevated

Walkability

78/ 100

High

Transit & Bike

Transit 20Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 Nov 2026

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

Valuation edge0/15
claims [AVM -2.3% (HIGH), sold-comps -13.3%, £/sqft -13.4%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 100120769428· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.6%· as of 25 Oct 2026
Rental economics9.2/40
gross yield 6.3%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1500-1750)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -246/mo, -15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 46 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 & liquidity14.6/15
510 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

£236,000£362,000

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£315,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £79/mo
Cash on cash: 0.9%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - 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 100120769428Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.6%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1500-1750)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 1650/mo (range 1500-1750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 46 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. 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£308,000

Rent Estimate (pcm)£1,650

Gross Yield6.29%

1y Growth+18.6%

3y Growth+0.3%

5y Growth+1.1%

10y Growth+3.0%

Last Sold Price£275,000 (2022-09-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OX16 9BJ

Approval Rate

-12mo

Development

low

26/02907/F
Conversion of part of the ground floor retail unit to vertical cycle storage for the proposed upper floor use. Conversion of the upper floors of the building into a 6-bedroom House in Multiple Occupation (HMO) and a separate self-contained studio apartment. Addition of 2 new windows to east elevation and 2 new roof lights to north elevation.
Pending
26/02908/LB
Internal alterations to facilitate the conversion of part of the ground floor retail unit to vertical cycle storage for the proposed upper floor use and conversion of the upper floors of the building into a 6-bedroom House in Multiple Occupation (HMO) and a separate self-contained studio apartment. Addition of 2 new windows to east elevation and 2 new roof lights to north elevation.
Pending
26/02913/F
Change of Use from tattoo parlour (sui generis) to private members club - licensed (sui generis)
Pending

View Planning Timeline