2 Acorn Cottages, School Hill, Napton, Southam, CV47 8NN

UPRN:10070377252Bungalow Property2 bedsBuilt 1996-2002

Tenure: -Council Tax: Band CEPC: E (42)

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

2 Acorn Cottages, School Hill, Napton, Southam, CV47 8NN

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£296,000

£237k - £356kLow

Estimate

£296k

Range

£237k – £356k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

3.28%

Verdict

Derived from HomePortfolio scores

2 Acorn Cottages earns an INVESTIGATE rating with HP Score 65/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)Defra 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

65/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 4Bike 22

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.3%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1300/mo (range 1200-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,178/mo, -91% 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 2 Nov 2026
Risk & liquidity9.2/15
271 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£475,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£703/mo
Cash on cash: -5.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.81 - 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_snapshotsrent estimate 1300/mo (range 1200-1400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1300/mo (range 1200-1400)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£296,000

Rent Estimate (pcm)£1,300

Gross Yield3.28%

1y Growth-

3y Growth+1.1%

5y Growth+1.5%

10y Growth+2.0%

Last Sold Price£485,000 (2022-06-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CV47 8NN

Approval Rate

-12mo

Development

low

26/02283/FUL
Construction of an agricultural barn (74.6 metre floor area) for storage of tractor, mowing equipment trailer and storage of hay. Construction of a driveway to serve as a rear access to existing property and proposed barn.
Pending
26/02122/LDP
Proposed pitched roofed rear extension.
Approved
26/02094/LDP
Conversion of existing garage to form habitable room
Approved

View Planning Timeline

Ownership

Corporate Ownership78.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2022-06-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,847

Population Density56 /km²

Owner Occupied77%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

Napton School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Lawrence CofE (Voluntary Aided) Primary School
0.2 mi
-
Stockton Primary School
2.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Mary's Catholic Primary School, Southam
2.7 mi
Inspected as St Mary's Catholic Primary School, Southam (URN 125708) on 30 Jan 2019

7 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Orchard House School Hill
-
£620k
-
Southbank School Hill
-
£450k
-
1 Little Fold
-
£227k
-
Lyngrove School Hill
-
£585k
-

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