Zwiebel Kotten, 14 Great North Road, Lower Caldecote, Biggleswade, SG18 9BA

UPRN:10012432948Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (68)

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

Zwiebel Kotten, 14 Great North Road, Lower Caldecote, Biggleswade, SG18 9BA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£567,000

£539k - £596kHigh

Estimate

£567k

Range

£539k – £596k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

4.06%

Verdict

Derived from HomePortfolio scores

Zwiebel Kotten earns an INVESTIGATE rating with HP Score 60/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). 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

60/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 4Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -14.6% (HIGH), sold-comps -43.5%, £/sqft -43.6%] → 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; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10012432948· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.2%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.79
- valuation_snapshotsrent estimate 2200/mo (range 1950-2400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,255/mo, -57% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 142 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 5 Nov 2026
Risk & liquidity14.6/15
351 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £1,950-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£671/mo
Cash on cash: -3.7%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - below 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 10012432948Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.2%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2200/mo (range 1950-2400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 2200/mo (range 1950-2400)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 142 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£567,000

Rent Estimate (pcm)£2,200

Gross Yield4.06%

1y Growth-

3y Growth-0.5%

5y Growth+1.1%

10y Growth+3.3%

Last Sold Price£495,000 (2021-09-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1SG18 9BA

Approval Rate

-12mo

Development

low

CB/26/03223/NMA
Non-Material Amendment: to planning permission CB/24/02338/FULL Changes to the wording of Conditions 7, 10 and 13 to replace the incorrect drawing and document references with those that were consulted on during the application.
Pending
CB/26/02786/DOC
Discharge of Condition 2 against planning permission ref. CB/25/02562/FULL
Pending
CB/25/03192/DOC
Discharge of Condition(s) 3, 6,10,13,15,17, against planning permission ref. CB/24/01744/FULL: Demolition of former Seddington Nursery Garden Centre and replace with 12 small warehouse units for B8 storage and E(g) light commercial industrial use suitable for SME/start-up business
Pending

View Planning Timeline

Ownership

Corporate Ownership67.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-09-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,622

Population Density94 /km²

Owner Occupied79%

Age Distribution

0-15 14%16-64 57%65+ 29%

View Area Profile

Schools Nearby

Caldecote Church of England Academy
0.9 mi
Good
St Andrew's CofE VC Primary School
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Swithun's Church of England VC Primary School
1.4 mi
Good
Edward Peake CofE VC School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Stretford House
-
£550k
-
9 The Fields
-
£500k
-
14
-
£495k
-
9 The Fields
-
£415k
-

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