13 Knottes Close, Winchcombe, Cheltenham, GL54 5DD

UPRN:10013764541Mid Terrace House2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band BEPC: C (80)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

13 Knottes Close, Winchcombe, Cheltenham, GL54 5DD

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£246,000

£234k - £258kHigh

Estimate

£246k

Range

£234k – £258k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

4.80%

Verdict

Derived from HomePortfolio scores

13 Knottes Close earns an INVESTIGATE rating with HP Score 61/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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

61/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 15Bike 18

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM -1.6% (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 9 Oct 2026
- valuation_snapshotsestimate for 10013764541· as of 9 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -450/mo, -45% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 132 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 30 Oct 2026
Risk & liquidity14.7/15
273 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

£187,500£287,500

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£250,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£151/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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 10013764541Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1000/mo (range 950-1100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 132 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£246,000

Rent Estimate (pcm)£1,000

Gross Yield4.80%

1y Growth-

3y Growth+0.4%

5y Growth+1.4%

10y Growth+2.9%

Last Sold Price£87,500 (2015-12-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL54 5DD

Approval Rate

-12mo

Development

low

26/00810/FUL
Variation of Condition 2 (Approved documents) of planning approval 26/00092/FUL to change the roof pitch from 10 degrees to 6 degrees to tie back in with the existing garage. The roof covering must change from tiled to an aluminium standing seam
Approved
26/00790/TCA
T1-Laburnum- Fell to Ground Level - Dying already Half Dead, Re plant with a fruit tree.
Approved
26/00763/FUL
Single storey rear extension.
Approved

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining80 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-12-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,603

Population Density-

Owner Occupied62%

Age Distribution

0-15 16%16-64 49%65+ 35%

View Area Profile

Schools Nearby

Winchcombe Abbey Church of England Primary School
0.3 mi
GoodConcerns
Winchcombe School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gretton Primary School
1.3 mi
Requires improvementConcerns
Isbourne Valley School
2.8 mi
Good

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

View All Schools

Comparables

View All

6 Knottes Close
-
£135k
-
14 Knottes Close
-
£110k
-
12 Knottes Close
-
£99k
-
7 Knottes Close
-
£36k
-

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