20 Church Road, Horspath, Oxford, OX33 1RU

UPRN:100120868940-Beds -Built before 1900

Tenure: -Council Tax: Band EEPC: D (64)

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

20 Church Road, Horspath, Oxford, OX33 1RU

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£683,000

£547k - £820kLow

Estimate

£683k

Range

£547k – £820k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

1.89%

Verdict

Derived from HomePortfolio scores

20 Church Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (41/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

41/ 100

Mixed

Transit & Bike

Transit 7Bike 49

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 1.9%; range width penalty ×0.75
- valuation_snapshotsrent estimate 2200/mo (range 1950-2450)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -4,419/mo, -201% 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 11 Nov 2026
Risk & liquidity9.2/15
44 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£1,400,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £1,950-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £505,050
Net cash flow: -£3,202/mo
Cash on cash: -7.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.47 - 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_snapshotsrent estimate 2200/mo (range 1950-2450)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2200/mo (range 1950-2450)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£683,000

Rent Estimate (pcm)£2,200

Gross Yield1.89%

1y Growth-

3y Growth-4.6%

5y Growth-1.8%

10y Growth+0.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OX33 1RU

Approval Rate

100%12mo

Development

low

P26/S5010/NM
Non-Material Amendment to P26/S1726/HH. A new single door on the north elevation and associated hard landscape stairs.
Approved
P26/S4608/FUL
New two-storey nursery building and external play area
Pending
P26/S4599/DIS
Discharge of Condition 5 (Surface Water Drainage) and 6 (Foul Water Drainage) of planning ref. P25/S2126/FUL Replacement self build dwelling and detached garage workshop with associated works. (Additional information received 29 August 2025)
Pending

View Planning Timeline

Ownership

Corporate Ownership72.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,026

Population Density314 /km²

Owner Occupied86%

Age Distribution

0-15 16%16-64 57%65+ 27%

View Area Profile

Schools Nearby

Horspath Church of England Primary School
0.1 mi
Inspected as Horspath Church of England Primary School (URN 123121) on 9 Oct 2012
St Francis Church of England Primary School
1.1 mi
Inspected as St Francis Church of England Primary School (URN 123172) on 8 Dec 2021
Wood Farm Primary School
1.4 mi
Good
John Watson School
1.4 mi
Inspected as John Watson School (URN 123333) on 19 Oct 2022

0 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Church Road
-
£615k
-
8 Church Road
-
£850k
-
10 Church Road
-
£400k
-
5 Church Road
-
£565k
-

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