Flat, Chalgrove Pharmacy, 60 High Street, Chalgrove, Oxford, OX44 7SS

UPRN:100120892230Flat/MaisonetteBeds -Built 1950-1966

FreeholdCouncil Tax: -EPC: E (43)

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

Flat, Chalgrove Pharmacy, 60 High Street, Chalgrove, Oxford, OX44 7SS

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£340,000

£272k - £409kLow

Estimate

£340k

Range

£272k – £409k

Rent Estimate (pcm)

£450

£300 - £550

Monthly

£450

Yield

2.30%

Verdict

Derived from HomePortfolio scores

Flat earns an INVESTIGATE rating with HP Score 70/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (51/100). 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 listingsMarket 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

70/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

51/ 100

Moderate

Transit & Bike

Transit 8Bike 44

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 2.3%; range width penalty ×0.40; the estimate this rent rides on sits 31% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 450/mo (range 300-550)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -791/mo, -176% 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 3 Nov 2026
Risk & liquidity9.2/15
70 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£235,000

At the asking price

Monthly rent£450/mo

Evidenced range £300-£550

Interest rate5.4%

Loan to value75%

Cash required: £74,000
Net cash flow: -£482/mo
Cash on cash: -7.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.57 - 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 450/mo (range 300-550)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 450/mo (range 300-550)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£340,000

Rent Estimate (pcm)£450

Gross Yield2.30%

1y Growth-

3y Growth-1.9%

5y Growth+1.0%

10y Growth+1.5%

Last Sold Price£975,000 (2017-11-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OX44 7SS

Approval Rate

-12mo

Development

low

P26/S4264/HH
Erection of an approximately 2.44m high close-boarded boundary fence to the rear of the property.
Pending
P26/S4101/LDP
Lawful Certificate Proposed for an office in the rear garden. Size 5000mm x 3000mm & Height 2500mm. Building to be clad with vertical cedar wood panelling. Windows and doors triple glazed with grey frames.
Pending
P26/S3988/LDL
Installation of a standard 7KW EV Home Charger facility on driveway at 149 High Street. Positioned against a low brick wall to the left of the driveway, in a border that can contain screening plants (currently has Ivy).
Approved

View Planning Timeline

Ownership

Corporate Ownership79.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-11-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,026

Population Density-

Owner Occupied76%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Chalgrove Community Primary School
0.2 mi
Inspected as Chalgrove Community Primary School (URN 123029) on 26 Jun 2012
Stadhampton Primary School
2.3 mi
Good
Little Milton Church of England Primary School
2.4 mi
Good
St Laurence Church of England School
3.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

77 High Street
-
£695k
-
93 High Street
-
£520k
-
Home Farm House, 103 High Street
-
£910k
-
42 High Street
-
£495k
-

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