37 Lady Place, Sutton Courtenay, Abingdon, OX14 4FB

UPRN:10014068803Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band CEPC: C (73)

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

37 Lady Place, Sutton Courtenay, Abingdon, OX14 4FB

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£284,000

£270k - £299kHigh

Estimate

£284k

Range

£270k – £299k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

6.21%

Verdict

Derived from HomePortfolio scores

37 Lady Place earns an INVESTIGATE rating with HP Score 66/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (19/100). 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

66/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

19/ 100

Low

Transit & Bike

Transit 8Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +1.4% (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 10014068803· as of 9 Oct 2026
Rental economics9/40
gross yield 6.2%; range width penalty ×0.92
- valuation_snapshotsrent estimate 1450/mo (range 1350-1550)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -246/mo, -17% 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), 261 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
400 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

£210,000£322,000

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£280,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: £59/mo
Cash on cash: 0.8%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.53 - 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 10014068803Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1450/mo (range 1350-1550)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1450/mo (range 1350-1550)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£284,000

Rent Estimate (pcm)£1,450

Gross Yield6.21%

1y Growth-

3y Growth-3.2%

5y Growth+0.1%

10y Growth+1.8%

Last Sold Price£260,000 (2018-10-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OX14 4FB

Approval Rate

-12mo

Development

low

P26/V4901/TCA
No 2: Swamp Cypress: Dry Pond: Prune back the roadside by 2 metres to get behind the fence. No 3: Horse Chestnut 1671: Dry Pond: Crown lift to 5 metres over the road and remove epicormics on the stem. No 4: Cherry Plum: Dry Pond: Cut back off the car park by 1 metre. No 5: 2 x Ginkgo 1672,1673: Quad: Crown lift to 3 metres all round. No 7: 3 x Lime: Lawn: Remove epicormics growing on all three Lime trees up to a previous height at c.4m. No 8: Damson: In the old orchard fence line adjacent to the lane: Fell to ground level and treat the stump. No 9: Sycamore: 1682: Old orchard rear corner: Fell to ground level and treat the stump. No10: Small Damson: Fell the tree overhanging the footpath. No 11:Small Black Pine: Lift the crown to 1 metre all round. No15: Group, Hornbeam, Persian Ironwood, 2 x Holm Oaks: Rear Lawn: Lift the crowns to 2 metres and remove the stakes where necessary. No 16: Horse Chestnut: Rear green: Fell to ground level and grind out the stump. No 17: Laburnum stems: Adjacent to the Persian Ironwood: Prune back from the Persian Ironwood to leave a 2 metre clearance.
Pending
P26/V4837/DIS
Discharge of conditions 21(drainage maintenance), 24(external works plan) and 25(remedial drainage measures) on application ref. P25/V1671/S73 Variation of condition 4 (Landscaping Scheme) and 7 (Sustainable Drainage Scheme) on application P14/V2362/FUL for changes to the external materials used in the construction of the hard landscaping layout and details of the surface water drainage works. (Demolition of nos.74 & 78 Milton Road, Sutton Courtenay. Residential development comprising 28 units, car parking, public open space and landscaping)
Pending
P26/V4835/TCA
T1) Remove the heavily declining medium size Sycamore tree at the rear of the Church grounds on the boundary to ground level.
Pending

View Planning Timeline