23, Sandy Lane, Chippenham, SN15 2QA

UPRN:10070786447Detached Property4 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: -

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£963,000

£771k - £1.16MLow

Estimate

£963k

Range

£771k – £1.16M

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.53%

Verdict

Derived from HomePortfolio scores

23 earns an INVESTIGATE rating with HP Score 61/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (7/100). 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 SourcesPortal 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

61/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

7/ 100

Low

Transit & Bike

Transit 5Bike 36

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 4.5%; range width penalty ×0.70; the estimate this rent rides on sits 17% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3000/mo (range 2600-3350)· as of 10 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this home· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,279/mo, -43% 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 10 Nov 2026
Risk & liquidity9.2/15
420 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£795,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,600-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£606/mo
Cash on cash: -2.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - 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 3000/mo (range 2600-3350)Rental economics · as of 10 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 3000/mo (range 2600-3350)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£963,000

Rent Estimate (pcm)£3,000

Gross Yield4.53%

1y Growth-

3y Growth-1.1%

5y Growth+1.7%

10y Growth+2.9%

Last Sold Price£157,000 (2009-07-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SN15 2QA

Approval Rate

-12mo

Development

low

PL/2026/04292
Cherry, Conifer - Fell; G1 Beech trees - Reduce to manageable hedge height of 12ft; Trim hedges in carpark back by 1ft.
Approved
PL/2026/02903
T1 Weeping Willow - Re-Pollard; G2 Fell 6 Beech trees; T3 Horse Chestnut - Reduce by 2.5m
Approved
PL/2026/01734
T1 Lawson Cypress - Fell.
Approved

View Planning Timeline

Ownership

Corporate Ownership65.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2009-07-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

27 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,873

Population Density100 /km²

Owner Occupied77%

Age Distribution

0-15 11%16-64 59%65+ 30%

View Area Profile

Schools Nearby

St Nicholas Church of England Primary School, Bromham
1.6 mi
Inspected as St Nicholas Church of England VC Primary School, Bromham (URN 126307) on 21 Feb 2023
Derry Hill Church of England Voluntary Aided Primary School
1.9 mi
Requires improvement
Heddington Church of England Primary School
2.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Kingsbury Green Academy
2.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

23
-
£157k
-
Wans House
-
£2.13M
-
Wans House
-
£1.00M
-

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