Flat 3, 121 St James Street, Newport, PO30 5HE

UPRN:10024248688Converted Flat2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (57)

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

Flat 3, 121 St James Street, Newport, PO30 5HE

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£126,000

£120k - £133kHigh

Estimate

£126k

Range

£120k – £133k

Rent Estimate (pcm)

£650

£600 - £650

Monthly

£650

Yield

9.18%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 59/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (96/100). 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 NationsMarket 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

96/ 100

Excellent

Transit & Bike

Transit 18Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 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 33% 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 edge2.5/15
claims [AVM +32.5% (HIGH), sold-comps +33.1%, £/sqft +33.1%] → measured edge +0.50pp 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 10 Oct 2026
- valuation_snapshotsestimate for 10024248688· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%· as of 28 Oct 2026
Rental economics33.4/40
gross yield 9.2%; range width penalty ×1.00; the estimate this rent rides on sits 33% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 650/mo (range 600-650)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 33% above the ask on the same snapshot - verify the rent describes this home· as of 10 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 -13/mo, -2% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 68 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 & liquidity14.6/15
331 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

£64,000£97,500

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£85,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£650

Interest rate5.4%

Loan to value75%

Cash required: £26,800
Net cash flow: £163/mo
Cash on cash: 7.3%
Score at this price: 50

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.27 - 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 10024248688Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-650)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 33% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield

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 650/mo (range 600-650)
Rental economics needs verification before you rely on it
sale estimate 33% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. 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.
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£126,000

Rent Estimate (pcm)£650

Gross Yield9.18%

1y Growth+40.1%

3y Growth-0.4%

5y Growth+0.6%

10y Growth+2.6%

Last Sold Price£110,000 (2006-11-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PO30 5HE

Approval Rate

-12mo

Development

low

26/01549/HOU
Demolition of outside WC; Proposed single storey rear extension with connecting link
Pending
26/01505/FUL
Demolition of single storey extension; Proposed alterations to fenestration and formation of parking for two vehicles
Pending
26/01471/TW
T1 and T; 2x Silver Birch(Betula Pendular. Reduce overall canopies approximately 1.5M -2M (As per attached pictures) and crown lift to 2.5M over public footpath. Reason: To reduce encroachment and conform with highways regulations.
Pending

View Planning Timeline

Ownership

Corporate Ownership64.5%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2006-11-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density4,423 /km²

Owner Occupied33%

Age Distribution

0-15 16%16-64 64%65+ 20%

View Area Profile

Schools Nearby

The Isle of Wight College
0.3 mi
-
Newport Church of England Aided Primary School
0.3 mi
Good
Nine Acres Primary School
0.4 mi
OutstandingImproving
Hunnyhill Ormiston Academy
0.5 mi
Inspected as Hunnyhill Primary School (URN 118167) on 15 Jul 2025

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10A St James Street
-
£160k
-
2A St James Street
-
£170k
-
4 - 5 St James Street
-
£170k
-
11C St James Street
-
£215k
-

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