Flat E, Benton House, Harefield Grove, Cheltenham, GL50 2SF

UPRN:10012805148Converted Flat1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band CEPC: F (30)

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

Flat E, Benton House, Harefield Grove, Cheltenham, GL50 2SF

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

£295,000

£266k - £325kMedium

Estimate

£295k

Range

£266k – £325k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

2.42%

Verdict

Derived from HomePortfolio scores

Flat E earns an INVESTIGATE rating with HP Score 80/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (71/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

71/ 100

High

Transit & Bike

Transit 30Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 edge-0.6/15
claims [AVM -101.7% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10012805148· as of 9 Nov 2026
Rental economics0/40
gross yield 2.4%; range width penalty ×0.78
- valuation_snapshotsrent estimate 1200/mo (range 1100-1350)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,758/mo, -147% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 4 Nov 2026
Risk & liquidity12.8/15
347 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

£446,000£684,000

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£595,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £199,550
Net cash flow: -£1,177/mo
Cash on cash: -7.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.60 - 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 10012805148Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1100-1350)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1200/mo (range 1100-1350)
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£295,000

Rent Estimate (pcm)£1,200

Gross Yield2.42%

1y Growth-

3y Growth+0.0%

5y Growth+0.5%

10y Growth+3.1%

Last Sold Price£308,000 (2022-10-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL50 2SF

Approval Rate

-12mo

Development

low

26/01761/CACN
T1 English Yew - Trimming to main lower body of feature, trimming Church side back to boundary line. Continue to shape peacock on top of yew, as per last visit. T3 Paper Birch - crown height reduction of 2m and spread by 1m, cutting back to strong suitable secondary growth. Shape and balance. New shape indicated in red on image, T6 Row of mixed Lime and Hornbeam pleached trees - reduce height by the removal of annual growth down to historic height, leaving a level top. Dress both side back to strong green secondary growth, maintaining privacy.
Approved
26/01750/CACN
T1 Crab Apple - crown reduction works specification to include a height reduction of 2.5m and spread by 1.5m, crown lift up to 2m, as indicated in red on image, cutting back to strong suitable secondary growth, shape and balance, new shape indicated in red on image.
Approved
26/01736/CACN
T1 Lawson Cypress - Sympathetic crown lift off building and roof, as indicated in red on image. T4 Beech - Crown Reduction Works- Specification to include a height reduction of 2m and spread by 3m, top and garden side only as jointly owned tree, cutting back to strong suitable secondary growth. Shape and balance.
Pending

View Planning Timeline