Flat 3, Swans Reach, 45 Swan Lane, Evesham, WR11 4PD

UPRN:10013938271Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: C (78)

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

Flat 3, Swans Reach, 45 Swan Lane, Evesham, WR11 4PD

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£137,000

£130k - £144kHigh

Estimate

£137k

Range

£130k – £144k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

7.09%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 82/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (93/100). 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

82/ 100

Strong

Investment Score

72/ 100

High

Crime Score

23/ 100

Moderate

Walkability

93/ 100

Excellent

Transit & Bike

Transit 23Bike 55

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 6 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: the estimate sits 20% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +19.7% (HIGH), sold-comps +23.6%, £/sqft +23.3%] → measured edge +0.50pp 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 10013938271· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.2%· as of 25 Oct 2026
Rental economics14.9/40
gross yield 7.1%; range width penalty ×0.89; the estimate this rent rides on sits 20% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 650/mo (range 600-700)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 20% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -116/mo, -18% 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 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 255 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 6 Nov 2026
Risk & liquidity14.6/15
484 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

£82,500£126,500

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£110,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £79/mo
Cash on cash: 2.8%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.75 - 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 10013938271Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.2%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-700)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 20% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 650/mo (range 600-700)
Rental economics needs verification before you rely on it
sale estimate 20% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£137,000

Rent Estimate (pcm)£650

Gross Yield7.09%

1y Growth+25.0%

3y Growth+1.4%

5y Growth+1.6%

10y Growth+3.1%

Last Sold Price£105,000 (2016-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WR11 4PD

Approval Rate

-12mo

Development

low

W/26/02506/CLPU
Certificate of Lawfulness for the proposed siting of a mobile home for use as ancillary accommodation to main dwelling.
Pending
W/26/02476/CAN
T1 Larch Standing dead. Fell to as near ground level as possible. 2 Sorbus: Standing dead: Fell to as near ground level as possible. 3 Willow: Young tree leaning heavily and hitting streetlight. Also adjacent branch from further Willow encroaching on streetlight: Fell one stem and reduce remaining limb to give adequate clearance to streetlight. G4 Willow: Group of predominantly Willow. Crown lift trees to 6 m to give adequate clearance to gardens. 5 Willow Opposite garden of 21 Barnards Close. Raise crown to 6 m and cut back canopy interfering with BT infrastructure to give 2 m clearance. T1 - Dying Elderberry, reduce in height by approximately 2m maintaining some lower screening. T2 - Leaning Alder, reduce in height by 2m to a suitable live point to prevent collapse in the long-term management. Undertake tree works as detailed on application form and in any accompanying information.
Pending
W/26/02425/HP
Erection of a single storey extension on the rear elevation.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.4%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,661

Population Density2,071 /km²

Owner Occupied47%

Age Distribution

0-15 16%16-64 62%65+ 22%

View Area Profile

Schools Nearby

Swan Lane First School
0.0 mi
GoodImproving
St Mary's Catholic Primary School
0.2 mi
Inspected as St Mary's Catholic Primary School (URN 116878) on 12 Feb 2014
Prince Henry's High School
0.3 mi
Outstanding
Bengeworth CE Academy
0.3 mi
Good

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

View All Schools

Comparables

View All

29 Swan Lane
-
£150k
-
29A Swan Lane
-
£120k
-
Swans Reach, 45 Swan Lane
-
£140k
-
Swans Reach, 45 Swan Lane
-
£114k
-

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