Data freshness:●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:45:07.123436+00:00)●Ownership· freshOwnership: fresh, refreshed today (2026-11-10T17:15:31.512308+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T10:40:41.644679+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+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
HP Score
67
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£104,000
£99k - £110kHigh
Estimate
£104k
Range
£99k – £110k
Rent Estimate (pcm)
£750
£700 - £750
Monthly
£750
Yield
9.00%
Verdict
Derived from HomePortfolio scores
66 St Nicholas Way earns an INVESTIGATE rating with HP Score 67/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (50/100). 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.
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
Opportunity
Why this could be an opportunity
49
Reduced confidence2 independent sourcesLead to verifyListing checked 4 Nov 2026
Fewer independent sources agree, or a component could not be scored.
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 edge2.2/15
claims [AVM +3.9% (HIGH), sold-comps +3.0%, £/sqft +2.6%] → measured edge +0.44pp 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 13 Oct 2026
valuation_snapshotsestimate for 10024091577· as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.1%· as of 1 Nov 2026
Rental economics32/40
gross yield 9.0%; range width penalty ×1.00
valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 13 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -0/mo, -0% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 134 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 4 Nov 2026
Risk & liquidity14.5/15
238 sales/12mo in area; valuation range width 11%
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 sensitivityScores 70+ up to £75,000
£75,000£115,000
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
£99,950
At the asking price
£750/mo
Evidenced range £700-£750
5.4%
75%
Cash required
£31,286
Net cash flow
£182/mo
Cash on cash
7.0%
Score at this price
49
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 10024091577Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.1%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
Risks
What could kill this deal
Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-750)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £75,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.
· verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026