3 Polar Gardens, The Street, Luckington, Chippenham, SN14 6PZ

UPRN:10070784591Detached House2 bedsBuilt 1976-1982

Tenure: -Council Tax: -EPC: D (61)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

3 Polar Gardens, The Street, Luckington, Chippenham, SN14 6PZ

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

£1,119,000

£1.06M - £1.18MHigh

Estimate

£1.12M

Range

£1.06M – £1.18M

Rent Estimate (pcm)

£4,550

£4k - £5k

Monthly

£4,550

Yield

4.85%

Verdict

Derived from HomePortfolio scores

3 Polar Gardens earns an INVESTIGATE rating with HP Score 64/100. Investment score 52/100 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. 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 5Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: the advert has 7 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.5% (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 10070784591· as of 9 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.78
- valuation_snapshotsrent estimate 4550/mo (range 4050-5000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,532/mo, -34% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 105 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 3 Nov 2026
Risk & liquidity14.6/15
284 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

£844,000£1,294,000

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£1,125,000

At the asking price

Monthly rent£4,550/mo

Evidenced range £4,050-£5,000

Interest rate5.4%

Loan to value75%

Cash required: £395,050
Net cash flow: -£647/mo
Cash on cash: -2.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 10070784591Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 4550/mo (range 4050-5000)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 4550/mo (range 4050-5000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 105 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£1,119,000

Rent Estimate (pcm)£4,550

Gross Yield4.85%

1y Growth-

3y Growth-2.9%

5y Growth+1.5%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SN14 6PZ

Approval Rate

-12mo

Development

low

PL/2026/06781
T1 Lime - Carry out a framework pollard of the tree, reducing it in size by up to 1/3. T2 Silver Maple - Carry out a framework pollard. T3 Silver Maple - Carry out a framework pollard.
Pending
PL/2026/06247
Replacement of rear conservatory with single storey extension
Pending
PL/2026/06348
T1 Birch - Reduce by up to 2 metres back to previous pruning points
Pending

View Planning Timeline

Ownership

Corporate Ownership65.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,873

Population Density66 /km²

Owner Occupied71%

Age Distribution

0-15 18%16-64 59%65+ 23%

View Area Profile

Schools Nearby

Luckington Community School
0.2 mi
Good
Sherston CofE Primary School
1.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Trinity Church of England Primary School
2.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Hawkesbury Church of England Primary School
3.9 mi
Inspected as Hawkesbury Church of England Primary School (URN 109161) on 12 Sep 2023

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

View All Schools

Comparables

View All

Plemont, 5 Polar Gardens
-
£535k
-
4 Polar Gardens
-
£688k
-
4 Polar Gardens
-
£640k
-
4 Polar Gardens
-
£395k
-

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