98 Charles Street, Oxford, OX4 3AT

UPRN:100120811285Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: C (74)

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

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£517,000

£492k - £543kHigh

Estimate

£517k

Range

£492k – £543k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

5.94%

Verdict

Derived from HomePortfolio scores

98 Charles Street earns an INVESTIGATE rating with HP Score 79/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

81/ 100

High

Transit & Bike

Transit 17Bike 81

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£525,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,400-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: £28/mo
Cash on cash: 0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.47 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£517,000

Rent Estimate (pcm)£2,600

Gross Yield5.94%

1y Growth-

3y Growth+2.4%

5y Growth+2.0%

10y Growth+2.8%

Last Sold Price£367,500 (2017-05-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0OX4 3AT

Approval Rate

-12mo

Development

low

26/02556/FUL
Formation of 2no. rear dormer in association with a loft conversion. Insertion of 3no. rooflights to front elevation.
Pending
26/02558/CAT
Works to various trees as specified by G Tree Surgery Ltd in the St. Clement's And Iffley Road Conservation Area.
Pending
26/02519/FUL
Erection of a first floor rear extension. Insertion of 1no. window to side elevation and 1no. window to rear elevation.
Pending

View Planning Timeline