Swallows Barn, Lower End, Ramsden, Chipping Norton, OX7 3AZ

UPRN:100120968908-Beds -Built before 1900

Tenure: -Council Tax: Band GEPC: E (46)

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

Swallows Barn, Lower End, Ramsden, Chipping Norton, OX7 3AZ

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£709,000

£567k - £851kLow

Estimate

£709k

Range

£567k – £851k

Rent Estimate (pcm)

£3,350

£3k - £4k

Monthly

£3,350

Yield

4.35%

Verdict

Derived from HomePortfolio scores

Swallows Barn earns an INVESTIGATE rating with HP Score 67/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 2Bike 13

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 4.3%; range width penalty ×0.87
- valuation_snapshotsrent estimate 3350/mo (range 3050-3600)· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,570/mo, -47% 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 4 Nov 2026
Risk & liquidity9.2/15
250 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£925,000

At the asking price

Monthly rent£3,350/mo

Evidenced range £3,050-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £315,050
Net cash flow: -£803/mo
Cash on cash: -3.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.07 - 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 3350/mo (range 3050-3600)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 3350/mo (range 3050-3600)

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£709,000

Rent Estimate (pcm)£3,350

Gross Yield4.35%

1y Growth-

3y Growth+5.1%

5y Growth+5.2%

10y Growth+4.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4OX7 3AZ

Approval Rate

100%12mo

Development

low

26/02517/TCA
Walnut (T1) - Fell
Pending
26/02510/TCA
Silver birch, strawberry tree & dogwood - Prune height by 1-2m as appropriate for each tree and side laterals to contain size and tidy.
Pending
26/02131/LBC
Internal and external alterations to include extensions to farmhouse and barn, to create additional living space to main dwelling. Changes to floor layouts and roof works including rebuilding of existing and installation of additional dormer windows in West elevation and insertion of rooflights in East elevation.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,388

Population Density-

Owner Occupied81%

Age Distribution

0-15 14%16-64 57%65+ 29%

View Area Profile

Schools Nearby

Finstock Church of England Primary School
0.8 mi
Outstanding
Hailey Church of England Primary School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
North Leigh Church of England School
2.5 mi
Good
Leafield Church of England Primary School
2.5 mi
Inspected as Leafield Church of England (Controlled) Primary School (URN 123109) on 19 Jun 2014

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Butlers Cottage Lower End
-
£650k
-
Cotswold Edge Lower End
-
£2.70M
-
Torness Cottage Lower End
-
£390k
-
Cotswold Edge Lower End
-
£3.72M
-

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