26 The Ridings, Kington St. Michael, Chippenham, SN14 6JG

UPRN:100121014791Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band DEPC: E (50)

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

26 The Ridings, Kington St. Michael, Chippenham, SN14 6JG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£400,000

£380k - £420kHigh

Estimate

£400k

Range

£380k – £420k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

5.12%

Verdict

Derived from HomePortfolio scores

26 The Ridings earns an INVESTIGATE rating with HP Score 68/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (31/100). 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

68/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

31/ 100

Mixed

Transit & Bike

Transit 6Bike 21

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£375,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: -£158/mo
Cash on cash: -1.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£400,000

Rent Estimate (pcm)£1,600

Gross Yield5.12%

1y Growth+10.6%

3y Growth-2.9%

5y Growth+1.5%

10y Growth+2.6%

Last Sold Price£120,000 (2000-03-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2SN14 6JG

Approval Rate

100%12mo

Development

low

PL/2026/06726
First floor front & rear extensions, alterations to garage to form utility
Pending
PL/2026/04740
Non-material amendment for omission of single storey extension, change of material on first floor extension from stone to tile and changes to windows/doors relating to reference PL/2025/09431 - Single story side extension and first floor extension
Approved
PL/2026/03817
Renew planning permission for 5 years for the existing mobile classroom (Mobile 807(05))
Pending

View Planning Timeline

Ownership

Corporate Ownership65.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2000-03-10
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£31,873

Population Density-

Owner Occupied77%

Age Distribution

0-15 17%16-64 57%65+ 26%

View Area Profile

Schools Nearby

Kington St Michael Church of England Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Stanton St Quintin Primary and Nursery School
1.5 mi
Good
Langley Fitzurse Church of England Primary School
1.5 mi
Good
Hardenhuish School
1.9 mi
Good

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

View All Schools

Comparables

View All

41 The Ridings
-
£343k
-
4 The Ridings
-
£250k
-
44 The Ridings
-
£375k
-
46 The Ridings
-
£325k
-

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