3, Sherborne, Cheltenham, GL54 3DU

UPRN:10022833708Detached Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: E (46)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£620,000

£496k - £744kLow

Estimate

£620k

Range

£496k – £744k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

3.05%

Verdict

Derived from HomePortfolio scores

3 earns an INVESTIGATE rating with HP Score 58/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (4/100). 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 SourcesEPC RegisterPortal listingsMarket 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

58/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

4/ 100

Low

Transit & Bike

Transit 3Bike 17

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.0%; range width penalty ×0.84
- valuation_snapshotsrent estimate 2500/mo (range 2250-2700)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,448/mo, -98% 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
Risk & liquidity9.2/15
273 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£985,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,250-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £339,050
Net cash flow: -£1,594/mo
Cash on cash: -5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.75 - 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_snapshotsrent estimate 2500/mo (range 2250-2700)Rental economics · as of 10 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 Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2500/mo (range 2250-2700)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£620,000

Rent Estimate (pcm)£2,500

Gross Yield3.05%

1y Growth-

3y Growth+0.4%

5y Growth+1.4%

10y Growth+2.9%

Last Sold Price£825,000 (2019-06-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

6GL54 3DU

Approval Rate

100%12mo

Development

low

26/02844/TCONR
T1 - Birch - Reduce by 1.5 metres all-round, crown raise to 2 metres drive side T2 - Gingko - Crown raise to 3 metres. T3 - Copper Beech - Crown raise to 3 metres. T4 - Holm oak - Reduce by 2.5 metres crown raise to 3 metres. G1 - Holm oak - Reduce/Trim to shape.
Approved
26/02794/TCONR
T1 Silver Birch- Remove due to size and maturity within garden setting, allowing understory Birch to grow T2- Silver Birch- Remove Burch as trunk deformed to leave nice group of Birch to develop
Approved
26/02532/TCONR
Cypress - fell the tree at the base and poison stump.
Approved

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-06-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,927

Population Density16 /km²

Owner Occupied56%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Sherborne Church of England Primary School
1.0 mi
Inspected as Sherborne Church of England Primary School (URN 115648) on 3 Jul 2023
The Rissington School
2.8 mi
Good
Northleach Church of England Primary School
3.0 mi
Good
Cold Aston Church of England Primary School
3.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Wren Cottage, 7
-
£850k
-
9 - 10
-
£1.74M
-
Mill Hill Farm
-
£2.60M
-
3
-
£825k
-

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