Eltham, Ferry Road, Southrey, Lincoln, LN3 5TA

UPRN:10034690640Detached Bungalow3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: D (56)

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

Eltham, Ferry Road, Southrey, Lincoln, LN3 5TA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£284,000

£269k - £298kHigh

Estimate

£284k

Range

£269k – £298k

Rent Estimate (pcm)

£1,050

£950 - £1k

Monthly

£1,050

Yield

4.42%

Verdict

Derived from HomePortfolio scores

Eltham earns an INVESTIGATE rating with HP Score 47/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (0/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidOverture Maps PlacesOfsted / DfE GIAS

HP Score

47/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 5Bike 52

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£285,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £950-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £91,050
Net cash flow: -£235/mo
Cash on cash: -3.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.09 - below 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£284,000

Rent Estimate (pcm)£1,050

Gross Yield4.42%

1y Growth+28.4%

3y Growth-0.2%

5y Growth+2.0%

10y Growth+3.6%

Last Sold Price£127,000 (2013-05-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LN3 5TA

Approval Rate

-12mo

Development

low

View Planning Timeline

Ownership

Corporate Ownership62.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2013-05-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,741

Population Density-

Owner Occupied70%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

Bardney Church of England and Methodist Primary School
1.9 mi
Good
Bucknall Primary School
2.5 mi
Good
St Andrew's CofE Primary School
4.0 mi
Good
Mrs Mary King's CofE (Controlled) Primary School
4.3 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Lizbeth House Ferry Road
-
£375k
-
Charon Gate Ferry Road
-
£395k
-
3 Ferry Road
-
£172k
-
School House Ferry Road
-
£309k
-

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