5 Middle Street, Chepstow, NP16 5ET

UPRN:10033346147Mid Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (62)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£325,000

£260k - £390kLow

Estimate

£325k

Range

£260k – £390k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

4.06%

Verdict

Derived from HomePortfolio scores

5 Middle Street earns an INVESTIGATE rating with HP Score 50/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is elevated. 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

50/ 100

Mixed

Investment Score

60/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

No data

Transit & Bike

No data

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 edge0/15
claims [sold-comps -19.7%, £/sqft -19.9%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 4.3%· as of 12 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.85
- valuation_snapshotsrent estimate 1150/mo (range 1050-1250)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -719/mo, -63% 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), 76 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 & liquidity9.2/15
226 sales/12mo in area; valuation range width 40%
- 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

£255,000£391,000

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£340,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: -£351/mo
Cash on cash: -3.8%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 4.3%Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1050-1250)Rental economics · as of 13 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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1150/mo (range 1050-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 76 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£325,000

Rent Estimate (pcm)£1,150

Gross Yield4.06%

1y Growth-

3y Growth+0.1%

5y Growth+2.0%

10y Growth+4.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0NP16 5ET

Approval Rate

-12mo

Development

low

P1193/26/LD2
Application under section 192 to establish whether the erection of a single storey rear extension with associated hard landscaping alterations requires planning permission.
Pending
DM/2026/01126
East Mon are undertaking a refurbishment of No 11 Beaufort Square. The Grade 2 listed property, located in the centre of Chepstow fronting the High Street, has been vacant for 12-18 months. The proposed development will see a material change of use of the first floor from Class A2 (Financial and Professional Services) to Class C3 (Dwellinghouse), to provide a one one-bedroom flat. The proposal is confined to the first floor. No alterations are proposed to the principal external elevations, and the existing windows, shop front and other external architectural features are to be retained unaltered. The first floor is recorded as having been in residential use at an earlier date before its more recent use as an estate agent's office (Class A2).
Pending
DM/2026/01083
New signage and lighting
Pending

View Planning Timeline