37 Middle Stoke, Limpley Stoke, Bath, BA2 7GF

UPRN:100121072103Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: -EPC: C (72)

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

37 Middle Stoke, Limpley Stoke, Bath, BA2 7GF

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£873,000

£829k - £916kHigh

Estimate

£873k

Range

£829k – £916k

Rent Estimate (pcm)

£4,150

£4k - £5k

Monthly

£4,150

Yield

5.69%

Verdict

Derived from HomePortfolio scores

37 Middle Stoke earns an INVESTIGATE rating with HP Score 69/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 11Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 12 Nov 2026

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

Valuation edge2.5/15
claims [AVM -0.2% (HIGH), sold-comps +3.7%, £/sqft +3.8%] → measured edge +0.50pp 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 100121072103· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 22.8%· as of 9 Nov 2026
Rental economics4.8/40
gross yield 5.7%; range width penalty ×0.86
- valuation_snapshotsrent estimate 4150/mo (range 3800-4500)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -771/mo, -19% 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 12 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
704 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

£656,000£1,006,000

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£875,000

At the asking price

Monthly rent£4,150/mo

Evidenced range £3,800-£4,500

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: -£80/mo
Cash on cash: -0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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 100121072103Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 22.8%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4150/mo (range 3800-4500)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 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 4150/mo (range 3800-4500)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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£873,000

Rent Estimate (pcm)£4,150

Gross Yield5.69%

1y Growth-79.3%

3y Growth-3.2%

5y Growth+0.8%

10y Growth+2.1%

Last Sold Price£497,500 (2012-08-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BA2 7GF

Approval Rate

-12mo

Development

low

26/04296/TCA
3x Cypress T1, T2 and T3 - fell. Lawson Ellwoodii T4 - fell.
Pending
26/04211/FUL
Erection of two storey rear extension
Pending
26/04080/COND
Discharge of conditions 10 (External and Internal Lighting) of application 24/02839/VAR (Variation of conditions 7 (BNG & Habitat Management Plan) and 14 (Plans List) of application 23/00123/FUL (Erection of a single 4 bedroom dwelling and associated works))
Pending

View Planning Timeline