24 St James South 1, Jessop Avenue, Cheltenham, GL50 3SP

UPRN:10012805294Flat/Maisonette3 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: E (48)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

24 St James South 1, Jessop Avenue, Cheltenham, GL50 3SP

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£521,000

£416k - £625kLow

Estimate

£521k

Range

£416k – £625k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

3.31%

Verdict

Derived from HomePortfolio scores

24 St James South 1 earns an INVESTIGATE rating with HP Score 69/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. 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 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

69/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

98/ 100

Excellent

Transit & Bike

Transit 54Bike 68

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£725,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,800-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: -£1,062/mo
Cash on cash: -5.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.82 - below 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£521,000

Rent Estimate (pcm)£2,000

Gross Yield3.31%

1y Growth-

3y Growth+0.0%

5y Growth+0.5%

10y Growth+3.1%

Last Sold Price£660,000 (2018-08-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL50 3SP

Approval Rate

-12mo

Development

low

26/01718/CACN
T1-Honey Locust Tree, reduce by 2-2.5m and shape fairly hard to contain (Starting to outgrow its space). T2-Rowan, reduce by 0.5m and shape and remove the mistletoe. T3-Small tree by the back door, prune by 0.5m.
Approved
26/01717/CACN
Sidney Lodge T173 Horse Chestnut. Fell to near ground level.
Pending
26/01701/CACN
Silver Birch Tree - crown by 25%.
Approved

View Planning Timeline

Ownership

Corporate Ownership53.7%
Overseas OwnershipNo
Lease Term Remaining103 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-08-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,014

Population Density-

Owner Occupied34%

Age Distribution

0-15 21%16-64 68%65+ 11%

View Area Profile

Schools Nearby

The Catholic School of Saint Gregory the Great
0.1 mi
Inspected as The Catholic School of Saint Gregory the Great (URN 115731) on 10 Oct 2023
Gloucestershire Hospital Education Service
0.2 mi
Outstanding
Christ Church CofE Primary School
0.3 mi
Outstanding
Cheltenham Ladies' College
0.3 mi
Inspected by ISI

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

St. James South 1 Jessop Avenue
-
£155k
-
St. James South 1 Jessop Avenue
-
£223k
-
St. James South 1 Jessop Avenue
-
£295k
-
St James South, 1 Jessop Avenue
-
£186k
-

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