Stud Farm Cottage, Culmington, Ludlow, SY8 2DB

UPRN:10032918049Detached House8 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (56)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Stud Farm Cottage, Culmington, Ludlow, SY8 2DB

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£1,241,000

£1.18M - £1.30MHigh

Estimate

£1.24M

Range

£1.18M – £1.30M

Rent Estimate (pcm)

£4,200

£4k - £5k

Monthly

£4,200

Yield

4.38%

Verdict

Derived from HomePortfolio scores

Stud Farm Cottage earns an INVESTIGATE rating with HP Score 56/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 21Bike 17

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

advert has 6 bedrooms but the valuation snapshot describes 8 - the UPRN's evidence is for a different home

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£1,150,000

At the asking price

Monthly rent£4,200/mo

Evidenced range £3,700-£4,750

Interest rate5.4%

Loan to value75%

Cash required: £405,050
Net cash flow: -£974/mo
Cash on cash: -2.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.08 - 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£1,241,000

Rent Estimate (pcm)£4,200

Gross Yield4.38%

1y Growth-

3y Growth-1.4%

5y Growth+0.4%

10y Growth+2.7%

Last Sold Price£520,000 (2021-08-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SY8 2DB

Approval Rate

-12mo

Development

low

26/03966/AG2
Prior Approval for the erection of two new agricultural buildings for hay and machinery storage.
Pending
26/03752/FUL
Formation of riding manege to include installation of eight lighting poles (8m) and change of use of land to equestrian
Pending
26/03595/AG1
Prior Approval for the erection of two new agricultural buildings for hay and machinery storage.
Pending

View Planning Timeline

Ownership

Corporate Ownership71.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-08-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,603

Population Density16 /km²

Owner Occupied65%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Corvedale CofE Primary School
2.3 mi
Good
Onny CofE (A) Primary School
2.9 mi
Inspected as Onny CofE (A) Primary School (URN 123560) on 10 Jan 2023
Stokesay Primary School
3.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ludlow Church of England School
4.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

0 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Moss View
-
£320k
-
Culmington House
-
£1.82M
-
Linden Lodge
-
£250k
-
8
-
£400k
-

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