5 Century Row, Middle Way, Oxford, OX2 7LP

UPRN:100120848033Terrace Property4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band FEPC: C (74)

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

5 Century Row, Middle Way, Oxford, OX2 7LP

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£923,000

£877k - £969kHigh

Estimate

£923k

Range

£877k – £969k

Rent Estimate (pcm)

£3,800

£3k - £4k

Monthly

£3,800

Yield

4.80%

Verdict

Derived from HomePortfolio scores

5 Century Row earns an INVESTIGATE rating with HP Score 83/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (80/100). 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

83/ 100

Strong

Investment Score

73/ 100

High

Crime Score

16/ 100

Moderate

Walkability

80/ 100

High

Transit & Bike

Transit 16Bike 76

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -2.9% (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 9 Nov 2026
- valuation_snapshotsestimate for 100120848033· as of 9 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.83
- valuation_snapshotsrent estimate 3800/mo (range 3450-4150)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,345/mo, -35% 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
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
338 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,450-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£575/mo
Cash on cash: -2.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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

valuation_snapshotsestimate for 100120848033Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3800/mo (range 3450-4150)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 3800/mo (range 3450-4150)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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£923,000

Rent Estimate (pcm)£3,800

Gross Yield4.80%

1y Growth-

3y Growth-4.3%

5y Growth-1.7%

10y Growth+0.6%

Last Sold Price£535,000 (2008-07-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX2 7LP

Approval Rate

-12mo

Development

low

26/02664/FUL
Change of use of the vacant rear ground floor commercial (Use Class E) space to a 1no. 2-bed flat (Use Class C3). Insertion of 2no. windows to West elevation. Alteration to fenestrations. Provision of cycle and waste storage.
Pending
26/01256/CND
Details submitted in compliance with conditions 11 (Landscape Surface Design), 12 (Underground Services), 13 (TPP), and 15 (Details of Boundary Treatment) of planning permission 26/01256/FUL.
Pending
26/02650/ENT
Works to 1no. Laburnum tree as specified by Oxford Tree Surgeons in the North Oxford Victorian Suburb Conservation Area
Approved

View Planning Timeline