4 Little Ridings, Malmesbury Road, Chippenham, SN15 1PZ

UPRN:100121031909Flat/Maisonette2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band CEPC: D (66)

Data freshness:Listing· freshPlanning· freshOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

4 Little Ridings, Malmesbury Road, Chippenham, SN15 1PZ

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£242,000

£194k - £291kLow

Estimate

£242k

Range

£194k – £291k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

5.77%

Verdict

Derived from HomePortfolio scores

4 Little Ridings earns an INVESTIGATE rating with HP Score 77/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (55/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

77/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 19Bike 53

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [sold-comps -29.4%, £/sqft -29.4%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 21.3%· as of 24 Oct 2026
Rental economics5.9/40
gross yield 5.8%; range width penalty ×0.96
- valuation_snapshotsrent estimate 1250/mo (range 1200-1350)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -308/mo, -25% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 253 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 6 Nov 2026
Risk & liquidity9.2/15
420 sales/12mo in area; valuation range width 40%
- 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

£195,000£299,000

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£260,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: -£12/mo
Cash on cash: -0.2%
Score at this price: 15

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

property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 21.3%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1250/mo (range 1200-1350)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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
Rental economics needs verification before you rely on it
rent estimate 1250/mo (range 1200-1350)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£242,000

Rent Estimate (pcm)£1,250

Gross Yield5.77%

1y Growth-14.3%

3y Growth-1.1%

5y Growth+1.7%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2SN15 1PZ

Approval Rate

-12mo

Development

low

PL/2026/07137
Demolition of various single storey additions, double storey side extension, single storey rear extension and loft conversion along with altered access and relocated car port
Pending
PL/2026/06893
Proposed Porch
Pending
PL/2026/06828
See Tree Condition Report and Tree Plan Works required to improve safe access along a Public Right of Way Works required to allow safe use in a public space
Pending

View Planning Timeline

Ownership

Corporate Ownership65.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,873

Population Density1,961 /km²

Owner Occupied86%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

St Paul's Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Hardenhuish School
0.3 mi
Good
The Young People's Support Centre
0.4 mi
-
Sheldon School
0.4 mi
GoodConcerns

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

View All Schools

Comparables

View All

121 Malmesbury Road
-
£525k
-
115 Malmesbury Road
-
£490k
-
135 Malmesbury Road
-
£735k
-
Little Ridings Malmesbury Road
-
£213k
-

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