Data freshness:●Listing· freshListing: fresh, refreshed 6d ago (2026-11-03T04:00:05.311355+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:17:14.923902+00:00)●Ownership· 1mo agoOwnership: ageing, refreshed 1mo ago (2026-10-10T17:38:02.971245+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
85
/ 100
Strong
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
20 of 21 sources
Sale Estimate
£636,000
£573k - £700kMedium
Estimate
£636k
Range
£573k – £700k
Rent Estimate (pcm)
£2,850
£3k - £3k
Monthly
£2,850
Yield
9.77%
Verdict
Derived from HomePortfolio scores
Flat 91 earns an INVESTIGATE rating with HP Score 85/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (90/100). 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.
T1 Ash Remove dead stub to north over highway Crown lift low epicormic growth to 4m height" T2 English oak Crown lift to 5m height from ground level including removal of epicormic growth to this height Crown clean Remove major deadwood T3 Sycamore Remove major deadwood including 2 no. dead sub leaders to south / south east T4 Tree of heaven Remove major deadwood Remove epicormic growth to 7m height
Pending
P2026/2884/TRE
TPO Tree T1 - Eucalyptus - Prune to clear building by 3m by removal of smaller diameter branches - this tree leans towards, and grows over the roof of the adjacent property - this work is required to maintain clearance from the property Non TPO trees - T2, T3, Leylandii - remove all growth overhanging property to rear (2m approx. lateral branch removal)
Pending
P2026/2882/TRE
T7-Cedar Rear-Remove deadwood and reduce x overlong lateral branch by 2-3m. T8-Holly-rear left-Growing below Cedar T7. Reduce in height by approx. 3m where growing into Cedar tree. Shape to balance and contain.
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
Opportunity
Why this could be an opportunity
62
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 estimate sits 45% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +45.0% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
valuation_snapshotsestimate for 10090551286· as of 9 Nov 2026
Rental economics32.4/40
gross yield 9.8%; range width penalty ×0.85; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2850/mo (range 2600-3100)· as of 9 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin17.1/30
stressed cash flow +488/mo, +17% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 432 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 & liquidity12.8/15
281 sales/12mo in area; valuation range width 20%
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
£324,000£402,500
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
£350,000
At the asking price
£2,850/mo
Evidenced range £2,600-£3,100
5.4%
75%
Cash required
£113,800
Net cash flow
£792/mo
Cash on cash
8.3%
Score at this price
62
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.41 - 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 10090551286Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2850/mo (range 2600-3100)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this