Flat 4, 19 Gloucester Street, Faringdon, SN7 7JA

UPRN:100121314569Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (72)

Data freshness:Ownership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 4, 19 Gloucester Street, Faringdon, SN7 7JA

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£150,000

£135k - £165kMedium

Estimate

£150k

Range

£135k – £165k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

6.40%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 82/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (98/100). 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 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

82/ 100

Strong

Investment Score

71/ 100

High

Crime Score

21/ 100

Moderate

Walkability

98/ 100

Excellent

Transit & Bike

Transit 21Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 11 Nov 2026

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

Valuation edge1.6/15
claims [AVM +0.0% (MEDIUM), sold-comps +2.0%, £/sqft +2.0%] → measured edge +0.33pp 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100121314569· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.1%· as of 5 Nov 2026
Rental economics10.6/40
gross yield 6.4%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -175/mo, -22% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 11 Nov 2026
Risk & liquidity12.8/15
181 sales/12mo in area; valuation range width 20%
- 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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £48/mo
Cash on cash: 1.2%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 100121314569Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.1%Valuation edge · as of 5 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 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 800/mo (range 750-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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£150,000

Rent Estimate (pcm)£800

Gross Yield6.40%

1y Growth+3.4%

3y Growth+0.5%

5y Growth-1.4%

10y Growth+2.4%

Last Sold Price£145,000 (2023-09-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1SN7 7JA

Approval Rate

-12mo

Development

low

P26/V5038/TCA
Beech Tree - Remove
Pending
P26/V4727/16A(28)
1x 9m Light Wooden Pole
Pending
P26/V4668/TCA
T1 Himalayan Birch - Front of building. Out of scale with situation. Reduce by 1.5m all round to bring the tree back into scale with situation. T2 Magnolia - Front of building. Out of scale with surroundings. Reduce by 1-1.5m all round bringing the tree back into scale with surroundings. T4 Himalayan Birch - At the end of the parking area. Low canopy. Raise the canopy to 3.5m. T5 Cherry - Out of scale with situation. Re-reduce back to previous, removing approximately 1-1.5m of regeneration growth. Remove ivy. T6 Walnut - Immediately adjacent to the boundary wall, some cracking is evident. The tree is beginning to reach a size where the wall is being disrupted. Reduce the tree by 3-4m from the top and approximately 1m from the side to create a structure for regeneration. T7 Walnut - Suppressed form, twin stem, canopy is close to the adjacent wall. Low limb resting on wall. Remove the low resting limb. T8 Magnolia - Out of scale with surroundings. Reduce the tree by 1m all round to bring the tree back into scale. T9 Poplar - Hollow acoustics when struck. Tree has been historically monolithed. Reduce the tree by approximately 50% to bring the overall height of the main stems down to 3.5-4m, leaving the low growth on the tree. And removing the complete top section to give the tree a chance to regenerate.
Approved

View Planning Timeline

Ownership

Corporate Ownership74.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2023-09-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,859

Population Density-

Owner Occupied50%

Age Distribution

0-15 14%16-64 65%65+ 21%

View Area Profile

Schools Nearby

The Elms Primary School
0.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Faringdon Community College
0.7 mi
Good
Folly View Primary
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Shellingford Church of England (Voluntary Aided) School
2.4 mi
Good

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

33 Gloucester Street
-
£282k
-
35 Gloucester Street
-
£615k
-
27 Gloucester Street
-
£280k
-
Romney House, 19 Gloucester Street
-
£175k
-

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