Zion, Church Road, Undy, Caldicot, NP26 3EN

UPRN:10033356236Detached Bungalow4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band GEPC: D (64)

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

Zion, Church Road, Undy, Caldicot, NP26 3EN

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£621,000

£590k - £653kHigh

Estimate

£621k

Range

£590k – £653k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

3.94%

Verdict

Derived from HomePortfolio scores

Zion earns an INVESTIGATE rating with HP Score 81/100. Investment score 68/100 reflects moderate 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 NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressONS 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

81/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.6% (HIGH)] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10033356236· as of 13 Oct 2026
Rental economics0/40
gross yield 3.9%; range width penalty ×0.76
- valuation_snapshotsrent estimate 2050/mo (range 1850-2300)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,260/mo, -61% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 233 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 4 Nov 2026
Risk & liquidity14.6/15
255 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

£469,000£719,000

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£625,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£690/mo
Cash on cash: -3.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.97 - 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 10033356236Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1850-2300)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 2050/mo (range 1850-2300)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 233 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£621,000

Rent Estimate (pcm)£2,050

Gross Yield3.94%

1y Growth-

3y Growth-1.0%

5y Growth+2.1%

10y Growth+4.9%

Last Sold Price£335,000 (2016-12-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0NP26 3EN

Approval Rate

-12mo

Development

low

DM/2026/01256
Non-material amendment (add a window on the north wall of the 2-bed bungalow) to planning decision DM/2023/00592.
Pending
DM/2026/01190
Modification of conditions 4, 5, 6, 10, 12 and 14 relating to planning DM/2024/00441.
Pending
DM/2026/01118
Discharge of conditions 3 (details of external render) and 5 (Construction Traffic Management Plan) of planning consent DM/2025/01316.
Pending

View Planning Timeline