Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-10T04:00:08.634285+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:44:33.666260+00:00)●Ownership· freshOwnership: fresh, refreshed 3d ago (2026-11-10T17:07:17.392794+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Crime· freshCrime: fresh, refreshed 2d ago (2026-11-11T13:01:03.839912+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 1mo agoCouncil Tax: ageing, refreshed 1mo ago (2026-10-12T19:41:47.266307+00:00)
HP Score
77
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£281,000
£253k - £309kMedium
Estimate
£281k
Range
£253k – £309k
Rent Estimate (pcm)
£1,300
£1k - £1k
Monthly
£1,300
Yield
7.26%
Verdict
Derived from HomePortfolio scores
Flat 2 earns an INVESTIGATE rating with HP Score 77/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (68/100). 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.
T1 - Walnut - Reduce lateral branches growing over seashells by 2–3 m
Pending
P/26/05471/REG14
Silver Birch - Dead - Fell
Approved
P/26/05395/TTPO
T4 - Cypress - Crown raise to approximately 1.5 m (5 ft) to improve amenity value and provide improved access to the existing salt bin. G2 - 2x Silver Birch - Crown lift to approximately 6 m above the driveway and parking spaces to provide adequate clearance. Reduce the northern lateral limbs by approximately 2 m to minimise overhang and reduce the accumulation of falling debris onto parked vehicles. G3 - 2x Beech - Crown lift to approximately 6 m above the driveway and parking spaces to provide adequate clearance. Reduce the northern lateral limbs by approximately 2 m to minimise overhang and reduce the accumulation of falling debris onto parked vehicles. Prune to achieve a minimum clearance of 2 m from the adjacent flats.
Low confidence0 independent sourcesLead to verifyListing checked 10 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 23% 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 edge0/15
claims [AVM +23.5% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 11 Nov 2026
valuation_snapshotsestimate for 10022903588· as of 11 Nov 2026
Rental economics14.7/40
gross yield 7.3%; range width penalty ×0.82; the estimate this rent rides on sits 23% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1300/mo (range 1200-1450)· as of 11 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this home· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -82/mo, -6% 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 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 98 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 10 Nov 2026
Risk & liquidity12.9/15
150 sales/12mo in area; valuation range width 20%
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
£161,000£247,000
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
£215,000
At the asking price
£1,300/mo
Evidenced range £1,200-£1,450
5.4%
75%
Cash required
£67,600
Net cash flow
£174/mo
Cash on cash
3.1%
Score at this price
28
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.79 - 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 10022903588Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1450)Rental economics · as of 11 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this