Chestnut Cottage, Cedars Lane, Capel St. Mary, Ipswich, IP9 2JA

UPRN:10033308704Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: B (82)

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

Chestnut Cottage, Cedars Lane, Capel St. Mary, Ipswich, IP9 2JA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£784,000

£745k - £823kHigh

Estimate

£784k

Range

£745k – £823k

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

4.08%

Verdict

Derived from HomePortfolio scores

Chestnut Cottage earns an INVESTIGATE rating with HP Score 70/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (23/100). 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

70/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

23/ 100

Low

Transit & Bike

Transit 11Bike 48

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

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

Valuation edge0/15
claims [AVM -1.4% (HIGH), sold-comps -23.8%, £/sqft -23.8%] → measured edge +0.00pp 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 9 Oct 2026
- valuation_snapshotsestimate for 10033308704· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%· as of 22 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.72
- valuation_snapshotsrent estimate 2700/mo (range 2350-3000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,499/mo, -56% 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 5 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 5 Nov 2026
Risk & liquidity14.6/15
110 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

£596,000£914,000

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

Purchase price£795,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,350-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£814/mo
Cash on cash: -3.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - 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 10033308704Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 2700/mo (range 2350-3000)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 2700/mo (range 2350-3000)
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£784,000

Rent Estimate (pcm)£2,700

Gross Yield4.08%

1y Growth-

3y Growth-4.0%

5y Growth-0.3%

10y Growth+2.4%

Last Sold Price£430,000 (2012-08-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0IP9 2JA

Approval Rate

-12mo

Development

low

DC/26/04298
Householder Application - Construction of single storey entrance porch incorporating WC & store area.
Pending
DC/26/04026
Application to determine if prior approval is required for a proposed: Change of Use of Agricultural Buildings to flexible commercial use (Class E: Commercial, Business or Service) under Class R, of Schedule 2, Part 3 of the General Permitted Development Order 2015 (as amended) (GDPO) - Conversion of Building 2 and part of Building 3 to Flexible Commercial Use (Use Class E: Commercial, Business or Service)
Pending
DC/26/04000
Application to determine if Prior Approval is required for a proposed Change of Use of Agricultural Buildings on Agricultural Units and former Agricultural Buildings to Dwellinghouses (C3) which may include extension of the building and/or operations reasonably necessary for conversion. Town and Country Planning (General Permitted Development)(England) Order 2015 (as amended) Schedule 2, Part 3, Class Q. Conversion of the four southern bays of Building 3 into 2no dwellings
Pending

View Planning Timeline