19 The Embankment, Gaol Street, Hereford, HR1 2AF

UPRN:10022783333Purpose Built Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band BEPC: B (84)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

19 The Embankment, Gaol Street, Hereford, HR1 2AF

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£169,000

£161k - £178kHigh

Estimate

£169k

Range

£161k – £178k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

5.65%

Verdict

Derived from HomePortfolio scores

19 The Embankment earns an INVESTIGATE rating with HP Score 59/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 47Bike 77

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 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 -0.6% (HIGH), sold-comps -4.9%, £/sqft -5.0%] → 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 14 Nov 2026
- valuation_snapshotsestimate for 10022783333· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 12%· as of 12 Nov 2026
Rental economics4.9/40
gross yield 5.6%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -393/mo, -49% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 92 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 9 Nov 2026
Risk & liquidity14.6/15
357 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

£127,500£195,500

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£170,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: -£20/mo
Cash on cash: -0.4%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 10022783333Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 12%Valuation edge · as of 12 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 14 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 800/mo (range 750-850)
Stress margin needs verification before you rely on it
service charge / ground rent from 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. 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£169,000

Rent Estimate (pcm)£800

Gross Yield5.65%

1y Growth-

3y Growth-0.6%

5y Growth+1.8%

10y Growth+3.2%

Last Sold Price£155,000 (2022-06-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0HR1 2AF

Approval Rate

-12mo

Development

low

P263305/K
Tree No 1 : Holly adjacent to car parking space 27, reduce canopy by approximately 1 ½ metres cutting back to prevent further encroachment. Tree No 2: Yew adjacent to parking space 26, reduce canopy on north side by approximately 2 ½ metres to prevent encroachment on car parking area. Tree No 3: Yew adjacent to parking space 22, reduce canopy on north side by approximately 2 ½ metres to prevent encroachment on car parking area.
Pending
P263227/L
Works to the St Owen's Chambers building, inclusive of the creation of one ground floor external window to the southwest elevation on EastStreet, and the renovation/reconfiguration of 2 internal rooms.
Pending
P263226/F
Works to the St Owen's Chambers building, inclusive of the creation of one ground floor external window to the southwest elevation on East Street, and the renovation/reconfiguration of 2 internal rooms.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.9%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2022-06-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,361

Population Density1,887 /km²

Owner Occupied24%

Age Distribution

0-15 11%16-64 73%65+ 16%

View Area Profile

Schools Nearby

Hereford Cathedral School With A Junior School
0.2 mi
Inspected by ISI
Herefordshire Pupil Referral Service
0.2 mi
Good
St Thomas Cantilupe CofE Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St James' Church of England Primary School
0.4 mi
Inspected as St James' CofE Primary School (URN 116885) on 7 Jun 2023

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

View All Schools

Comparables

View All

The Embankment Gaol Street
-
£170k
-
The Embankment Gaol Street
-
£148k
-
The Embankment Gaol Street
-
£123k
-
The Embankment Gaol Street
-
£174k
-

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