Providence Cottage, 26 Lower High Street, Burford, OX18 4RR

UPRN:100120938846Terraced Bungalow4 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: E (48)

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

Providence Cottage, 26 Lower High Street, Burford, OX18 4RR

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£943,000

£896k - £990kHigh

Estimate

£943k

Range

£896k – £990k

Rent Estimate (pcm)

£4,300

£4k - £5k

Monthly

£4,300

Yield

5.73%

Verdict

Derived from HomePortfolio scores

Providence Cottage earns an INVESTIGATE rating with HP Score 73/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (69/100). 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 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

73/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

69/ 100

Moderate

Transit & Bike

Transit 8Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 +4.6% (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 100120938846· as of 13 Oct 2026
Rental economics5/40
gross yield 5.7%; range width penalty ×0.85
- valuation_snapshotsrent estimate 4300/mo (range 3950-4700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -766/mo, -18% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 161 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 10 Nov 2026
Risk & liquidity14.6/15
254 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

£675,000£1,035,000

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£900,000

At the asking price

Monthly rent£4,300/mo

Evidenced range £3,950-£4,700

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£61/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 100120938846Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 4300/mo (range 3950-4700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 4300/mo (range 3950-4700)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 161 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£943,000

Rent Estimate (pcm)£4,300

Gross Yield5.73%

1y Growth-

3y Growth+1.4%

5y Growth+2.4%

10y Growth+2.9%

Last Sold Price£820,000 (2021-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX18 4RR

Approval Rate

-12mo

Development

low

26/02648/TCA
cherry tree marked blue 30% reduction. Silver birch marked red - dead - removal.
Pending
26/02643/TCA
T2 - Yew - Remove lowest limb garden side to allow light to pleach trees. T3 - Hornbeam - Remove lowest limb in wall side. Prune provide approx 1-1.5 metres from power pole. T4 - Yew - Cut back from roadside wall edge for first 3 metres and blend outwards to avoid stub cutting large branches where possible. Trim top to keep out of utility. T5 - Laburnum - Remove dead stem 50% of canopy. T6 - Yew - Prune back canopy in line with wall. G1 - Fastigiate Yew - Reduce height to attempt to achieve 2 metre reduction in height. Reduce roadside limbs to reduce chance of peel out in adverse weather.
Pending
26/02604/TCA
1- willow needing to be pollarding back to previous pollard 2- sycamore to reduce in by 20% as to not get to big for the space 3- 1 lime to remove at ground level as its causing damage to the garage .growing ito the building 4/5/6 - lime trees need pollarding back to previous pollard 7- Ash Tree needs dead limbs removed as falling onto cars bellow. 25%crown reduction to reduce weight encourage new growth 8- patch of sycamores to remove at ground. Many with damaged tops or damaged at ground and failing
Pending

View Planning Timeline

Ownership

Corporate Ownership78.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-04-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,388

Population Density73 /km²

Owner Occupied64%

Age Distribution

0-15 14%16-64 51%65+ 35%

View Area Profile

Schools Nearby

Burford Primary School
0.1 mi
Good
Burford School
0.5 mi
Good
Carterton Community College
3.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John the Evangelist CofE VA Primary School
3.5 mi
Outstanding

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

View All Schools

Comparables

View All

The Pheasantry, 28A Lower High Street
-
£495k
-
36A Lower High Street
-
£830k
-
The Courtyard, 30 Lower High Street
-
£390k
-
36A Lower High Street
-
£695k
-

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