Flat 1, 102 Ashburnham Road, Luton, LU1 1JU

UPRN:10024035874Flat/MaisonetteBeds -Built 1900-1929

Tenure: -Council Tax: -EPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 1, 102 Ashburnham Road, Luton, LU1 1JU

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

£144,000

£116k - £173kLow

Estimate

£144k

Range

£116k – £173k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

3.64%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 73/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (77/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

73/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

77/ 100

High

Transit & Bike

Transit 25Bike 53

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

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£280,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: -£357/mo
Cash on cash: -4.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.90 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£144,000

Rent Estimate (pcm)£850

Gross Yield3.64%

1y Growth-

3y Growth+0.1%

5y Growth-0.5%

10y Growth+3.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LU1 1JU

Approval Rate

-12mo

Development

low

26/01073/FULHH
Alterations to the existing loft conversion comprising the raising of the rear outrigger roof ridge and extension of the existing rear dormer to form an L-shaped rear dormer, with associated external alterations
Pending
26/01064/MMAMD
Erection of single and two storey rear extension with lower ground extension to provide a Community hall, Mortuary, Library and Prayer hall. Minor material amendment of planning permission 19/00753/FUL dated 19th October 2022 and 24/01091/DOC dated 24th January 2025 (Internal layout changes, extenal metal fire escape staircase to rear elevation)
Pending
26/01043/COU
Conversion of loft to form 2no. flats (1no. two bed and 1no. one bed).
Pending

View Planning Timeline

Ownership

Corporate Ownership59.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£28,741

Population Density-

Owner Occupied31%

Age Distribution

0-15 29%16-64 65%65+ 6%

View Area Profile

Schools Nearby

Dallow Primary School
0.2 mi
Good
Whipperley Infant Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bury Park Educational Institute (Al - Hikmah Secondary School)
0.4 mi
Inspected by ISI
Beech Hill Community Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

94 Ashburnham Road
-
£350k
-
110 Ashburnham Road
-
£278k
-
100 Ashburnham Road
-
£270k
-
98 Ashburnham Road
-
£232k
-

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