Bismillah House, 153A Gloucester Road, Cheltenham, GL51 8NQ

UPRN:10024304677Detached House3 bedsBuilt 2012 onwards

FreeholdCouncil Tax: Band CEPC: B (81)

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

Bismillah House, 153A Gloucester Road, Cheltenham, GL51 8NQ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£512,000

£487k - £538kHigh

Estimate

£512k

Range

£487k – £538k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

3.39%

Verdict

Derived from HomePortfolio scores

Bismillah House earns an INVESTIGATE rating with HP Score 66/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (25/100). 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 listingsOfcom Connected NationsOfcom mobile coverageMarket 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

66/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

25/ 100

Low

Transit & Bike

Transit 33Bike 55

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-1.6/15
claims [AVM -41.6% (HIGH), sold-comps -26.5%, £/sqft -26.5%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10024304677· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 18.6%· as of 1 Nov 2026
Rental economics0/40
gross yield 3.4%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2050/mo (range 1850-2250)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,682/mo, -82% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 3 Nov 2026
Risk & liquidity14.6/15
516 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

£544,000£833,500

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£725,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: -£1,028/mo
Cash on cash: -5.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.84 - 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_snapshotsestimate for 10024304677Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 18.6%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2050/mo (range 1850-2250)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

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 2050/mo (range 1850-2250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 40 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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£512,000

Rent Estimate (pcm)£2,050

Gross Yield3.39%

1y Growth-

3y Growth+0.0%

5y Growth+2.3%

10y Growth+3.7%

Last Sold Price£231,000 (2015-08-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GL51 8NQ

Approval Rate

-12mo

Development

low

26/01760/CACN
T1 Cedar carry out a crown reduction of approximately 1 to 2 metres, reducing the canopy back to previous pruning points where practicable, whilst maintaining a balanced and natural crown shape. T2 Ash: Carry out a crown thin of approximately 20%, selectively removing branches throughout the canopy to reduce crown density whilst maintaining the tree's natural shape and overall dimensions. All tree works to be carried out in accordance with BS3998:2010 Tree Work Recommendations.
Approved
26/01737/CACN
T355 Sorbus. Fell to near ground level.-Another app may need to be registered, Chestnut House T215 Maple. Fell to near ground level. T224 Prunus. Fell to near ground level.
Pending
26/01738/CACN
T202 dead Cherry. Fell to near ground level.
Pending

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