18 Cross Street, Swindon, SN1 3JT

UPRN:100121127196Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: C (75)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

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

£218,000

£208k - £229kHigh

Estimate

£218k

Range

£208k – £229k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

8.80%

Verdict

Derived from HomePortfolio scores

18 Cross Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (95/100). 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

78/ 100

Strong

Investment Score

70/ 100

High

Crime Score

43/ 100

Elevated

Walkability

95/ 100

Excellent

Transit & Bike

Transit 28Bike 65

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£150,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £255/mo
Cash on cash: 6.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.17 - 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£218,000

Rent Estimate (pcm)£1,100

Gross Yield8.80%

1y Growth-7.5%

3y Growth-0.6%

5y Growth+1.7%

10y Growth+3.3%

Last Sold Price£101,500 (2005-03-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SN1 3JT

Approval Rate

-12mo

Development

low

S/COND/26/1373
Discharge of conditions 4 (Landscaping), 9 (Cycle Parking), 10 (Construction Management Plan), 11 (Stopping Up), 15 (Drainage), 16 (Contamination) and 18 (External Lighting) and informative 7 (Statutory BNG) from previous application S/26/0723.
Pending
S/26/1365
Construction of a bin and bike store.
Pending
S/TWC/26/1359
Works to trees within a Conservation Area.
Pending

View Planning Timeline