8 The Paddock, Kennington, Oxford, OX1 5SB

UPRN:10014026949Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: -

Data freshness:Listing· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

8 The Paddock, Kennington, Oxford, OX1 5SB

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£805,000

£765k - £846kHigh

Estimate

£805k

Range

£765k – £846k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

8.75%

Verdict

Derived from HomePortfolio scores

8 The Paddock earns an INVESTIGATE rating with HP Score 67/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (20/100). 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 SourcesPortal 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

67/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

20/ 100

Low

Transit & Bike

Transit 7Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 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 47% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +47.2% (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 10014026949· as of 13 Oct 2026
Rental economics23.4/40
gross yield 8.8%; range width penalty ×0.78; the estimate this rent rides on sits 47% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3100/mo (range 2750-3400)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin11.5/30
stressed cash flow +356/mo, +11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 109 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 3 Nov 2026
Risk & liquidity14.6/15
166 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

£404,000£488,500

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£425,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,750-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: £712/mo
Cash on cash: 6.1%
Score at this price: 50

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.16 - 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 10014026949Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3100/mo (range 2750-3400)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

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 3100/mo (range 2750-3400)
Rental economics needs verification before you rely on it
sale estimate 47% 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£805,000

Rent Estimate (pcm)£3,100

Gross Yield8.75%

1y Growth-

3y Growth-0.5%

5y Growth+1.1%

10y Growth+2.2%

Last Sold Price£290,000 (2001-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OX1 5SB

Approval Rate

-12mo

Development

low

P26/V4761/HH
Single-storey infill extension and associated external enhancements.
Pending
P26/V4026/DIS
Discharge of condition 2 (Construction Method Statement for Bats) and condition 3 (Biodiversity enhancements) in regard to application P25/V2403/FUL.
Pending
P26/V3976/TPO
T4 Red Oak - remove to approximately 80mm from ground level.
Conditions

View Planning Timeline