23 Trow Close, Cotton End, Bedford, MK45 3BF

UPRN:10033184566Flat/Maisonette1 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band AEPC: C (77)

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

23 Trow Close, Cotton End, Bedford, MK45 3BF

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

£141,000

£134k - £148kHigh

Estimate

£141k

Range

£134k – £148k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

6.46%

Verdict

Derived from HomePortfolio scores

23 Trow Close earns an INVESTIGATE rating with HP Score 64/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 7Bike 44

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£130,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £46/mo
Cash on cash: 1.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - clears 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£141,000

Rent Estimate (pcm)£700

Gross Yield6.46%

1y Growth+42.2%

3y Growth+0.4%

5y Growth+1.1%

10y Growth+2.1%

Last Sold Price£105,000 (2015-04-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK45 3BF

Approval Rate

-12mo

Development

low

26/01507/FUL
Renovation and extension of existing outbuildings within curtilage of an existing dwelling to enhance existing annex.
Pending
26/01207/TELLN
1 x 9m light wooden pole. (In accordance with Regulation 5 of the Electronic Communications Code (Conditions and Restrictions) Regulations 2003 (as amended) and Class A Part 16 of Schedule 2 of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended)) This is a notification only to the Local Authority who have no determining powers.)
Pending
26/01206/TELLN
1 x 9m light wooden pole. (In accordance with Regulation 5 of the Electronic Communications Code (Conditions and Restrictions) Regulations 2003 (as amended) and Class A Part 16 of Schedule 2 of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended)) This is a notification only to the Local Authority who have no determining powers.)
Pending

View Planning Timeline

Ownership

Corporate Ownership81.8%
Overseas OwnershipNo
Lease Term Remaining104 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-04-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,987

Population Density79 /km²

Owner Occupied59%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Cotton End Forest School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Shortstown Primary School
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wilstead Primary School
1.5 mi
Inspected as Wilstead Primary School (URN 109492) on 11 Oct 2023
Lakeview School
1.7 mi
Inspected as Lakeview School (URN 135374) on 18 Oct 2022

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

View All Schools

Comparables

View All

39 Trow Close
-
£543k
-
9 Trow Close
-
£280k
-
45 Trow Close
-
£535k
-
17 Trow Close
-
£412k
-

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