1 Fern Cottage, Walcott Road, Bacton, Norwich, NR12 0HB

UPRN:10034806253Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: F (29)

Data freshness:Planning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

1 Fern Cottage, Walcott Road, Bacton, Norwich, NR12 0HB

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£269,000

£256k - £283kHigh

Estimate

£269k

Range

£256k – £283k

Rent Estimate (pcm)

£1,050

£950 - £1k

Monthly

£1,050

Yield

4.58%

Verdict

Derived from HomePortfolio scores

1 Fern Cottage earns an INVESTIGATE rating with HP Score 63/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (22/100). 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 PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 37Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 24 Oct 2026

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

Valuation edge0/15
claims [AVM -2.2% (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 9 Oct 2026
- valuation_snapshotsestimate for 10034806253· as of 9 Oct 2026
Rental economics7.7/40
gross yield 6.0% on contractual rent (listing-disclosed tenancy); contractual 2917/mo far above the 1050/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 2916.67/mo (tenanted)· as of 24 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -287/mo, -21% 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 24 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 148 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 24 Oct 2026
Risk & liquidity14.6/15
225 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

£206,000£316,000

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£275,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £950-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: -£201/mo
Cash on cash: -2.8%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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 10034806253Valuation edge · as of 9 Oct 2026
listing_factscontractual rent 2916.67/mo (tenanted)Rental economics · as of 24 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 24 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 24 Oct 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
contractual rent 2916.67/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 148 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£269,000

Rent Estimate (pcm)£1,050

Gross Yield4.58%

1y Growth-

3y Growth+1.4%

5y Growth+0.0%

10y Growth+3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NR12 0HB

Approval Rate

-12mo

Development

low

PF/26/2024
Change of use of dwelling to holiday accommodation, construction of open side entrance porch, installation of external cladding and replacement entrance door.
Pending
NMA/26/1992
Non-material amendment of planning permission PF/25/0708 (Erection of single storey side extension and front boundary wall/gate, and cladding of existing dwelling) to allow internal alterations and dimension changes
Rejected
PF/26/1868
Conversion of attached cart shed barn to additional living space for dwelling. Associated external alterations including installation of windows in front elevation
Pending

View Planning Timeline

Ownership

Corporate Ownership79.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,421

Population Density-

Owner Occupied75%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

Bacton Primary School
0.2 mi
Good
Happisburgh Church of England Primary Academy
2.5 mi
Requires improvement
Mundesley Infant School
3.0 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Mundesley Junior School
3.0 mi
Good

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Larch Cottage Walcott Road
-
£309k
-
Larch Cottage Walcott Road
-
£295k
-
Ash Haven Walcott Road
-
£185k
-
Brook Lodge Walcott Road
-
£525k
-

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