Lower House, Mitchel Troy Road, Mitchel Troy, Monmouth, NP25 4BL

UPRN:10033347698Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: C (70)

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

Lower House, Mitchel Troy Road, Mitchel Troy, Monmouth, NP25 4BL

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

15 of 21 sources

Sale Estimate

£1,063,000

£1.01M - £1.12MHigh

Estimate

£1.06M

Range

£1.01M – £1.12M

Rent Estimate (pcm)

£3,400

£3k - £4k

Monthly

£3,400

Yield

4.18%

Verdict

Derived from HomePortfolio scores

Lower House earns an INVESTIGATE rating with HP Score 80/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. 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 NationsMarket estimates (third-party AVM)HM Land Registry sales matched to addressONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

71/ 100

High

Crime Score

7/ 100

Low

Walkability

No data

Transit & Bike

No data

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 +8.3% (HIGH), sold-comps -25.0%, £/sqft -25.0%] → 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 10033347698· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 5 comps, dispersion 3.6%· as of 21 Oct 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.67
- valuation_snapshotsrent estimate 3400/mo (range 2950-3850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,744/mo, -51% 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), 54 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
146 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

£731,000£1,121,000

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£975,000

At the asking price

Monthly rent£3,400/mo

Evidenced range £2,950-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £335,050
Net cash flow: -£937/mo
Cash on cash: -3.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.03 - 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 10033347698Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 5 comps, dispersion 3.6%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 3400/mo (range 2950-3850)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 3400/mo (range 2950-3850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 54 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£1,063,000

Rent Estimate (pcm)£3,400

Gross Yield4.18%

1y Growth-

3y Growth-1.5%

5y Growth+0.2%

10y Growth+2.5%

Last Sold Price£540,000 (2009-10-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0NP25 4BL

Approval Rate

-12mo

Development

low

DM/2026/00961
Proposed earth-banked slurry reception pit with associated works.
Pending
DM/2025/01058
Discharge of conditions 5 in relation to planning application (DM/2019/01082) to demolish all existing site buildings and propose new warehouse/commercial replacement development.
Pending
DM/2025/00559
Non material amendments in relation to planning consent DM/2022/01250, these being; Columns added in front of garage. Garage door reduced in size. Small high level window added adjacent to garage. Driveway parking area reduced. Lighting scheme added to drawings. Hedgerow relocated from in front of side fence to front of driveway.
Approved

View Planning Timeline