The Cottage, 4 West Street, Shutford, Banbury, OX15 6PH

UPRN:100120800293Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (56)

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

The Cottage, 4 West Street, Shutford, Banbury, OX15 6PH

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£431,000

£345k - £518kLow

Estimate

£431k

Range

£345k – £518k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

4.65%

Verdict

Derived from HomePortfolio scores

The Cottage earns an INVESTIGATE rating with HP Score 60/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (9/100). 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)Defra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

9/ 100

Low

Transit & Bike

Transit 3Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge2.5/15
claims [sold-comps +8.3%, £/sqft +8.3%] → 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 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 3 comps, dispersion 3.3%· as of 23 Oct 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1800/mo (range 1650-1950)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -769/mo, -43% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 396 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 6 Nov 2026
Risk & liquidity9.2/15
255 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

£349,000£535,000

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£465,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £154,050
Net cash flow: -£323/mo
Cash on cash: -2.5%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - below 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): 3 comps, dispersion 3.3%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 1800/mo (range 1650-1950)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1800/mo (range 1650-1950)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 396 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. 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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£431,000

Rent Estimate (pcm)£1,800

Gross Yield4.65%

1y Growth-27.7%

3y Growth-1.9%

5y Growth+0.7%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX15 6PH

Approval Rate

-12mo

Development

low

26/02878/DISC
Discharge of Condition 10 (landscaping) of 23/02615/F
Pending
26/02810/F
Rear and side two storey extensions, front porch, and re-modelling of house with external render and insulation and new slate roof coverings
Pending
26/01889/DISC
Discharge of Condition 5 (details of opening between kitchen and new extension) of 25/00190/LB
Approved

View Planning Timeline

Ownership

Corporate Ownership81.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,568

Population Density60 /km²

Owner Occupied78%

Age Distribution

0-15 13%16-64 61%65+ 26%

View Area Profile

Schools Nearby

Swalcliffe Park School CIO
1.6 mi
-
Shenington Church of England Primary School
1.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Wroxton Church of England Primary School
2.0 mi
Inspected as Wroxton Church of England Primary School (URN 123091) on 1 Oct 2015
Bishop Carpenter Church of England Primary School
2.3 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Weavers Row
-
£365k
-
Pear Tree Cottage West Street
-
£255k
-
4 Weavers Row
-
£353k
-
2 Weavers Row
-
£250k
-

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