32 Field Gardens, Steventon, Abingdon, OX13 6TE

UPRN:100120902498Purpose Built Flat2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band CEPC: D (65)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 3mo ago

32 Field Gardens, Steventon, Abingdon, OX13 6TE

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£229,000

£217k - £240kHigh

Estimate

£229k

Range

£217k – £240k

Rent Estimate (pcm)

£650

£550 - £700

Monthly

£650

Yield

3.63%

Verdict

Derived from HomePortfolio scores

32 Field Gardens earns an INVESTIGATE rating with HP Score 65/100. Investment score 50/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (39/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

50/ 100

Mixed

Crime Score

27/ 100

Moderate

Walkability

39/ 100

Mixed

Transit & Bike

Transit 12Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 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 edge0/15
claims [AVM +6.1% (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 13 Oct 2026
- valuation_snapshotsestimate for 100120902498· as of 13 Oct 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.74
- valuation_snapshotsrent estimate 650/mo (range 550-700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -559/mo, -86% 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 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 220 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 3 Nov 2026
Risk & liquidity14.6/15
138 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

£161,000£247,000

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£215,000

At the asking price

Monthly rent£650/mo

Evidenced range £550-£700

Interest rate5.4%

Loan to value75%

Cash required: £67,600
Net cash flow: -£276/mo
Cash on cash: -4.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.90 - 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 100120902498Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 550-700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 650/mo (range 550-700)
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£229,000

Rent Estimate (pcm)£650

Gross Yield3.63%

1y Growth-

3y Growth-4.2%

5y Growth-1.7%

10y Growth-0.1%

Last Sold Price£152,000 (2004-06-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX13 6TE

Approval Rate

-12mo

Development

low

P26/V5036/TCA
Fell 1 no. apple tree (T2) and 1 no. Greengage tree (T3)
Pending
P26/V4934/TCA
T1- Western red cedar. Reduce the tree by up to 1/3 of its current height (by up to approximately 3m of existing height). The tree has been reduced before to maintain its height and spread in the space allocated. Clear around the wires running through the lower section of the crown. T2- Indian bean tree. Prune the tree back to the previous point of pruning to maintain as a compact specimen- up to 2.5m of height and spread to be removed. The tree has been routinely reduced to maintain as compact specimens in the space allocated TG3- Acacia X2. Reduce the trees back to the previous point of pruning, retaining some of the lower crown for screening up to 2.5m of height and spread to be removed. The trees have been routinely reduced to maintain as compact specimens in the space allocated T4- Ash. Fell the small ash tree adjacent to the telegraph pole cutting the stump to near ground level. An ivy clad self set tree in an inappropriate location
Pending
P26/V4902/FUL
Repair, alter and extend property following fire damage.
Pending

View Planning Timeline

Ownership

Corporate Ownership81.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-06-04
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£38,859

Population Density-

Owner Occupied68%

Age Distribution

0-15 19%16-64 68%65+ 13%

View Area Profile

Schools Nearby

St Michael's CofE Primary School, Steventon Village
0.4 mi
Inspected as St Michael's Church of England Primary School, Steventon (URN 123160) on 11 Jun 2019
St Blaise CofE Primary School
1.0 mi
Good
Drayton Community Primary School
1.4 mi
Good
Sutton Courtenay Church of England Primary School
1.7 mi
Requires improvement

6 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

24 Field Gardens
-
£210k
-
17 Field Gardens
-
£155k
-
5 Field Gardens
-
£220k
-
37 Field Gardens
-
£390k
-

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