Flat 4, Polstead House, 1 Polstead Road, Oxford, OX2 6TW

UPRN:100120848568Flat/Maisonette2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: E (51)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 4, Polstead House, 1 Polstead Road, Oxford, OX2 6TW

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£743,000

£669k - £817kMedium

Estimate

£743k

Range

£669k – £817k

Rent Estimate (pcm)

£3,450

£3k - £4k

Monthly

£3,450

Yield

5.56%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 84/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (88/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

84/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

88/ 100

Excellent

Transit & Bike

Transit 22Bike 82

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 13 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM -0.3% (MEDIUM), sold-comps +3.7%, £/sqft +3.7%] → 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
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100120848568· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%· as of 4 Nov 2026
Rental economics4.1/40
gross yield 5.6%; range width penalty ×0.91
- valuation_snapshotsrent estimate 3450/mo (range 3200-3700)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -737/mo, -21% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 13 Nov 2026· verify before relying on this
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.9/15
338 sales/12mo in area; valuation range width 20%
- 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

£559,000£856,500

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£745,000

At the asking price

Monthly rent£3,450/mo

Evidenced range £3,200-£3,700

Interest rate5.4%

Loan to value75%

Cash required: £252,050
Net cash flow: -£126/mo
Cash on cash: -0.6%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 100120848568Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 3450/mo (range 3200-3700)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
property_intelligencetransactions_12moRisk & liquidity

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 3450/mo (range 3200-3700)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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.
3. 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£743,000

Rent Estimate (pcm)£3,450

Gross Yield5.56%

1y Growth-

3y Growth-4.3%

5y Growth-1.7%

10y Growth+0.6%

Last Sold Price£165,000 (1997-11-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3OX2 6TW

Approval Rate

0%12mo

Development

low

22/01842/CND22
Details submitted in compliance with condition 21 (Energy Statement - approved) of planning permission 22/01842/FUL
Pending
26/02674/CAT
Works to various trees as specified by Sam Prior in the North Oxford Victorian Suburb Conservation Area.
Pending
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

View Planning Timeline

Ownership

Corporate Ownership61.8%
Overseas OwnershipNo
Lease Term Remaining86 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1997-11-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,517

Population Density3,613 /km²

Owner Occupied58%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

St Aloysius' Catholic Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Philip and James' Church of England Aided Primary School Oxford
0.2 mi
Good
Wychwood School
0.3 mi
Inspected by ISI
St Clare's, Oxford
0.4 mi
Inspected by ISI

1 of 4 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

19 Polstead Road
-
£2.60M
-
7 Polstead Road
-
£2.80M
-
27 Polstead Road
-
£2.60M
-
Polstead House, 1 Polstead Road
-
£728k
-

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