8 Towers Garden, Havant, PO9 1RZ

UPRN:10013669581Terrace Property4 bedsBuilt 1967-1975

Shared ownershipCouncil Tax: Band DEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£441,000

£419k - £463kHigh

Estimate

£441k

Range

£419k – £463k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

5.60%

Verdict

Derived from HomePortfolio scores

8 Towers Garden earns an INVESTIGATE rating with HP Score 63/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (32/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

32/ 100

Mixed

Transit & Bike

Transit 7Bike 50

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -2.0% (HIGH)] → measured edge +0.00pp 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10013669581· as of 13 Oct 2026
Rental economics4.4/40
gross yield 5.6%; range width penalty ×0.91
- valuation_snapshotsrent estimate 2100/mo (range 1950-2250)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -485/mo, -23% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 75 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 & liquidity14.6/15
458 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,950-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£65/mo
Cash on cash: -0.5%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.38 - 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 10013669581Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2100/mo (range 1950-2250)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
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 2100/mo (range 1950-2250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 75 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. 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£441,000

Rent Estimate (pcm)£2,100

Gross Yield5.60%

1y Growth-

3y Growth-0.6%

5y Growth+0.9%

10y Growth+2.9%

Last Sold Price£80,500 (1996-06-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PO9 1RZ

Approval Rate

-12mo

Development

low

APP/26/00751
Fell 1No Holly (T1). 1No Elder (T2) reduce height by 5 meters to leave at 3m within hedge line. 1No Cherry (T3) reduce crown by 2 meters all over, to leave a height of 6 meters and spread of 5 meters. 1No Ash (T4) reduce lateral spread on North side by 3 meters, leaving a remaining spread of 8 meters. Trees within conservation area of Langstone.
Pending
APP/26/00733
6 No. Pyrus (T1, T2, T3, T9, T10 and T11) by 0.5metres all over, crown reduce - back to previous pruning points. 1 No. White beam (T4) by 0.5m all over, trim top and sides by 0.5m - back to previous pruning points. 1 No. Yew hedge (T5), crown reduce - back to previous pruning points. 1 No. Prunus (T6) by 0.5m all over, crown lift - back to previous pruning points. 2 No. Silver birch (T7 & T8) to 3 metres, crown reduce - back to previous pruning points. 1 No. Cherry Plum (T12) by 1m, crown reduce - back to previous pruning points. 1 No. Willow (T13) by 0.5 m all over and crown reduce - back to previous pruning points. 1 No. Robinia (T14) by 0.5 meters all over - back to previous pruning points. All trees within Conservation Area - Mill Lane.
Pending
APP/26/00658
Erection of a single-storey front, side and rear extension, with demolition of the entrance and garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership56.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeShared ownership
Last Ownership Change1996-06-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,819

Population Density-

Owner Occupied88%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Bosmere Junior School
0.7 mi
Good
Releasing Potential School
0.9 mi
Good
Fairfield Infant School
1.0 mi
Good
Warblington School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Towers Garden
-
£429k
-
4 Towers Garden
-
£500k
-
3 Towers Garden
-
£420k
-
9 Towers Garden
-
£295k
-

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