31 Hardens Mead, Chippenham, SN15 3AE

UPRN:100121007147Detached House3 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band DEPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£387,000

£367k - £406kHigh

Estimate

£387k

Range

£367k – £406k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

3.20%

Verdict

Derived from HomePortfolio scores

31 Hardens Mead earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (48/100). 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 NationsMarket 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

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

48/ 100

Mixed

Transit & Bike

Transit 13Bike 50

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 29 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0.8/15
claims [AVM -16.3% (HIGH), sold-comps +3.0%, £/sqft +3.0%] → measured edge +0.16pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100121007147· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%· as of 3 Nov 2026
Rental economics0/40
gross yield 3.2%; range width penalty ×0.70
- valuation_snapshotsrent estimate 1200/mo (range 1050-1350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,146/mo, -96% 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 29 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 41 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 29 Oct 2026
Risk & liquidity14.6/15
420 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,050-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£688/mo
Cash on cash: -5.5%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.79 - 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 100121007147Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1050-1350)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 29 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 29 Oct 2026

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 1200/mo (range 1050-1350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 41 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. 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£387,000

Rent Estimate (pcm)£1,200

Gross Yield3.20%

1y Growth+8.8%

3y Growth-1.1%

5y Growth+1.7%

10y Growth+2.9%

Last Sold Price£73,000 (1998-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0SN15 3AE

Approval Rate

-12mo

Development

low

PL/2026/06246
Re: Application for Full Planning Permission (Installation of Plant, New Shopfront) and Advertisement Consent (New Signage)
Pending
PL/2026/06795
Re: Application for Full Planning Permission (Installation of Plant, New Shopfront) and Advertisement Consent (New Signage)
Pending
PL/2026/06641
T1 Crab Apple - Remove
Pending

View Planning Timeline

Ownership

Corporate Ownership65.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1998-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,873

Population Density-

Owner Occupied66%

Age Distribution

0-15 20%16-64 61%65+ 19%

View Area Profile

Schools Nearby

Abbeyfield School
0.3 mi
Inspected as Abbeyfield School (URN 131969) on 29 Nov 2022
Kings Lodge Primary School
0.4 mi
Inspected as Kings Lodge Primary School (URN 126287) on 4 Nov 2021
Charter Primary School
0.4 mi
Inspected as Charter Primary School (URN 126292) on 9 Jul 2024
Monkton Park Primary School
0.6 mi
-

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

View All Schools

Comparables

View All

66 Hardens Mead
-
£370k
-
42 Hardens Mead
-
£340k
-
50 Hardens Mead
-
£237k
-
66 Hardens Mead
-
£310k
-

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