165 Oxford Road, Cowley, Oxford, OX4 2ES

UPRN:100120832181Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: D (62)

Data freshness:Planning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

165 Oxford Road, Cowley, Oxford, OX4 2ES

Location map - no listing photos available

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£488,000

£464k - £512kHigh

Estimate

£488k

Range

£464k – £512k

Rent Estimate (pcm)

£2,700

£3k - £3k

Monthly

£2,700

Yield

5.40%

Verdict

Derived from HomePortfolio scores

165 Oxford Road earns an INVESTIGATE rating with HP Score 81/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (90/100). 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

81/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

90/ 100

Excellent

Transit & Bike

Transit 24Bike 84

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -23.0% (HIGH), sold-comps -29.0%, £/sqft -29.2%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100120832181· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%· as of 10 Nov 2026
Rental economics3.1/40
gross yield 5.4%; range width penalty ×0.98
- valuation_snapshotsrent estimate 2700/mo (range 2550-2850)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -677/mo, -25% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 53 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 4 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 sensitivity

£450,000£690,000

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£600,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,550-£2,850

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£156/mo
Cash on cash: -0.9%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 100120832181Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 2700/mo (range 2550-2850)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 2700/mo (range 2550-2850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 53 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£488,000

Rent Estimate (pcm)£2,700

Gross Yield5.40%

1y Growth-

3y Growth+2.4%

5y Growth+2.0%

10y Growth+2.8%

Last Sold Price£217,000 (2006-01-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX4 2ES

Approval Rate

-12mo

Development

low

24/00335/CND13
Details submitted in compliance with condition 28 (BREEAM) and 29 (Energy Statement) of planning permission 24/00335/FUL.
Pending
26/02652/FUL
Temporary provision of a padel court on site of existing car park and associated works. (Retrospective).
Pending
23/01465/CND
Details submitted in compliance with condition(s) 4 (Phased land quality risk assessment) and condition 12 (Construction Traffic Management Plan) of planning permission 23/01465/FUL.
Pending

View Planning Timeline