Tor Cottage, 89 High Street, Burford, OX18 4QA

UPRN:100120966773End Terrace Bungalow2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (48)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Tor Cottage, 89 High Street, Burford, OX18 4QA

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£489,000

£464k - £513kHigh

Estimate

£489k

Range

£464k – £513k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

5.33%

Verdict

Derived from HomePortfolio scores

Tor Cottage earns an INVESTIGATE rating with HP Score 79/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (97/100). 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)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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

97/ 100

Excellent

Transit & Bike

Transit 8Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 -1.2% (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 9 Nov 2026
- valuation_snapshotsestimate for 100120966773· as of 9 Nov 2026
Rental economics2.5/40
gross yield 5.3%; range width penalty ×0.93
- valuation_snapshotsrent estimate 2200/mo (range 2050-2350)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -601/mo, -27% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 274 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 11 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

£371,000£569,000

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£495,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £2,050-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£148/mo
Cash on cash: -1.1%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 100120966773Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2200/mo (range 2050-2350)Rental economics · as of 9 Nov 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

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 2200/mo (range 2050-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 274 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. 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£489,000

Rent Estimate (pcm)£2,200

Gross Yield5.33%

1y Growth-

3y Growth+1.4%

5y Growth+2.4%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OX18 4QA

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 Change-
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 Density-

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
0.4 mi
Good
Carterton Community College
3.4 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

39 High Street
-
£315k
-
97 High Street
-
£320k
-
Butlers Cottage, 47 High Street
-
£660k
-
The Garden Cottage, 43 High Street
-
£785k
-

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