11 Church Street, St. Neots, PE19 2BU

UPRN:10090390146Mid Terrace House2 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band BEPC: C (75)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£279,000

£265k - £293kHigh

Estimate

£279k

Range

£265k – £293k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

5.64%

Verdict

Derived from HomePortfolio scores

11 Church Street earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (82/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

57/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 57Bike 79

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [AVM +4.7% (HIGH), sold-comps +3.3%, £/sqft +3.4%] → measured edge +0.50pp 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 13 Oct 2026
- valuation_snapshotsestimate for 10090390146· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 4.2%· as of 28 Oct 2026
Rental economics4.5/40
gross yield 5.6%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1250/mo (range 1150-1350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -333/mo, -27% 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), 42 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
577 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

£199,500£306,000

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£266,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £84,400
Net cash flow: -£32/mo
Cash on cash: -0.5%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 10090390146Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 4.2%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 1250/mo (range 1150-1350)Rental economics · as of 13 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

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 1250/mo (range 1150-1350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£279,000

Rent Estimate (pcm)£1,250

Gross Yield5.64%

1y Growth-

3y Growth-1.8%

5y Growth+1.1%

10y Growth+2.8%

Last Sold Price£152,000 (2012-05-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PE19 2BU

Approval Rate

-12mo

Development

low

26/80271/COND
Discharge of condition 3 (sample of materials required) and 4 (rooflight details) of 26/00400/HHFUL
Pending
26/01954/LBC
Change of use of the first floor from office accommodation (Use Class E) to form two self-contained residential flats (Use Class C3), including associated internal alterations.
Pending
26/01925/NMA
Non material amendment of 25/02142/HHFUL for an extension of the existing bathroom gable outward by approximately 1.1 metres, retaining the pitch and eaves and ridge height of the existing gable, addition of one roof light to the west facing roof slope of the new bedroom gable and addition of a non-opening, narrow slot window, to the west wall of the kitchen.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-05-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,375

Population Density-

Owner Occupied42%

Age Distribution

0-15 14%16-64 65%65+ 21%

View Area Profile

Schools Nearby

Eynesbury CofE C Primary School
0.3 mi
Good
Priory Park Infant School & Pre-School
0.4 mi
Good
Riverside Meadows Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Mary's Church of England Primary School St Neots
0.5 mi
Inspected as St Mary's CofE VA Primary School (URN 110848) on 3 Mar 2015

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

View All Schools

Comparables

View All

15 Church Street
-
£280k
-
9 Church Street
-
£136k
-
29A Church Street
-
£280k
-
Aisling Lodge Retirement Home, 27 Church Street
-
£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