20 Pear Tree Lane, Whitchurch, SY13 1NG

UPRN:10013142202Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: B (85)

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

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£581,000

£552k - £611kHigh

Estimate

£581k

Range

£552k – £611k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

4.55%

Verdict

Derived from HomePortfolio scores

20 Pear Tree Lane earns an INVESTIGATE rating with HP Score 68/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (28/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

28/ 100

Low

Transit & Bike

Transit 36Bike 34

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£580,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £1,950-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £194,300
Net cash flow: -£434/mo
Cash on cash: -2.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - 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£581,000

Rent Estimate (pcm)£2,200

Gross Yield4.55%

1y Growth-

3y Growth+1.3%

5y Growth+0.7%

10y Growth+3.5%

Last Sold Price£495,000 (2020-09-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SY13 1NG

Approval Rate

-12mo

Development

low

26/02988/CPE
Certificate of Lawfulness for the existing use of former agricultural land as a residential garden ancillary to Hickory Lodge, together with the retention of domestic garden sheds and a polytunnel
Decided
26/02611/OUT
Proposed development (with all matters reserved except for access) of up to 280 dwellings and associated infrastructure, to include highway works, open space and sustainable drainage, plus demolition of existing on-site structures.
Pending
26/00793/PSPPA
Application for prior approval under Part 14, Class J of the Town & Country Planning (General Permitted Development) (England) Order 2015 for the installation of solar PVs
Approved

View Planning Timeline