5 Home Farm Court, Putteridge Park, Luton, LU2 8NN

UPRN:10070038979Mid Terrace House4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band GEPC: C (74)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

5 Home Farm Court, Putteridge Park, Luton, LU2 8NN

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£824,000

£782k - £865kHigh

Estimate

£824k

Range

£782k – £865k

Rent Estimate (pcm)

£4,100

£4k - £4k

Monthly

£4,100

Yield

5.96%

Verdict

Derived from HomePortfolio scores

5 Home Farm Court earns an INVESTIGATE rating with HP Score 65/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (21/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

21/ 100

Low

Transit & Bike

Transit 2Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -0.1% (HIGH), sold-comps -18.4%, £/sqft -18.3%] → 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 10070038979· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 13.4%· as of 19 Oct 2026
Rental economics6.8/40
gross yield 6.0%; range width penalty ×0.88
- valuation_snapshotsrent estimate 4100/mo (range 3750-4400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -597/mo, -15% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 256 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 6 Nov 2026
Risk & liquidity14.6/15
556 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

£619,000£948,500

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£825,000

At the asking price

Monthly rent£4,100/mo

Evidenced range £3,750-£4,400

Interest rate5.4%

Loan to value75%

Cash required: £280,050
Net cash flow: £54/mo
Cash on cash: 0.2%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.47 - clears 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 10070038979Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 13.4%Valuation edge · as of 19 Oct 2026
valuation_snapshotsrent estimate 4100/mo (range 3750-4400)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 4100/mo (range 3750-4400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 256 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£824,000

Rent Estimate (pcm)£4,100

Gross Yield5.96%

1y Growth-

3y Growth+1.6%

5y Growth+3.4%

10y Growth+3.5%

Last Sold Price£855,000 (2021-04-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1LU2 8NN

Approval Rate

100%12mo

Development

low

26/01118/DOC
Development of land for mixed use development - Outline Planning Application, with all matters reserved, for the delivery of flexible commercial units (Class E(g)(ii), E(g)(iii), B2 and B8 uses), alongside parking, landscaping and other associated works. Discharge of condition 27 (Car Park Management Plan) of Planning permission 23/01319/OUT dated 5 September 2024.
Pending
26/01117/DOC
Development of land for mixed use development - Outline Planning Application, with all matters reserved, for the delivery of flexible commercial units (Class E(g)(ii), E(g)(iii), B2 and B8 uses), alongside parking, landscaping and other associated works. Discharge of condition 26 (Travel Plan) of Planning permission 23/01319/OUT dated 5 September 2024.
Pending
26/01058/FULHH
Erection of single storey front and single and two storey side and rear extensions.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-04-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,703

Population Density63 /km²

Owner Occupied61%

Age Distribution

0-15 20%16-64 61%65+ 19%

View Area Profile

Schools Nearby

Putteridge High School
0.2 mi
Inspected as Putteridge High School (URN 109685) on 7 Feb 2013
Putteridge Primary School
0.3 mi
Good
Cockernhoe Endowed CofE Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Someries Infant School and Early Childhood Education Centre
0.9 mi
Outstanding

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Home Farm Court Putteridge Park
-
£585k
-
Home Farm Court Putteridge Park
-
£440k
-
Home Farm Court Putteridge Park
-
£785k
-
Home Farm Court Putteridge Park
-
£855k
-

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