32 Oswin Gardens, Bradford, BD2 1DN

UPRN:10090402636Semi-Detached House3 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band CEPC: C (75)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 5mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£204,000

£194k - £214kHigh

Estimate

£204k

Range

£194k – £214k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.73%

Verdict

Derived from HomePortfolio scores

32 Oswin Gardens earns an INVESTIGATE rating with HP Score 64/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (47/100). 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

64/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

40/ 100

Elevated

Walkability

47/ 100

Mixed

Transit & Bike

Transit 42Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£205,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £64,400
Net cash flow: £104/mo
Cash on cash: 1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£204,000

Rent Estimate (pcm)£1,150

Gross Yield6.73%

1y Growth-

3y Growth+1.4%

5y Growth+3.6%

10y Growth+4.1%

Last Sold Price£139,950 (2019-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BD2 1DN

Approval Rate

-12mo

Development

low

26/03250/HOU
Construction of single storey rear extension
Pending
26/03040/HOU
Construction of single storey lower ground floor extension
Pending
26/03104/FUL
Replacement of existing external metal structure with covered canopy and shutters to front
Pending

View Planning Timeline

Ownership

Corporate Ownership81%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-09-09
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£28,424

Population Density3,618 /km²

Owner Occupied51%

Age Distribution

0-15 25%16-64 64%65+ 11%

View Area Profile

Schools Nearby

Bradford Christian School
0.2 mi
Inspected by ISI
Oasis Academy Lister Park
0.3 mi
Good
Frizinghall Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bradford Grammar School
0.3 mi
Inspected by ISI

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Oswin Gardens
-
£167k
-
2 Oswin Gardens
-
£265k
-
14 Oswin Gardens
-
£160k
-
38 Oswin Gardens
-
£119k
-

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