Data freshness:●Listing· freshListing: fresh, refreshed 6d ago (2026-11-04T04:00:06.345886+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:06:30.865351+00:00)●Ownership· freshOwnership: fresh, refreshed 3d ago (2026-11-06T17:38:51.180659+00:00)●EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-07-01T02:04:50.057738+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· freshSchools: fresh, refreshed 4d ago (2026-11-05T17:42:09.721250+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
82
/ 100
Strong
Verdict
3 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£501,000
£451k - £551kMedium
Estimate
£501k
Range
£451k – £551k
Rent Estimate (pcm)
£2,900
£3k - £3k
Monthly
£2,900
Yield
9.28%
Verdict
Derived from HomePortfolio scores
Flat 3 earns an INVESTIGATE rating with HP Score 82/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (93/100). 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.
Change of use of the existing pizza shop from Use Class E to a pizza shop incorporating hot-food takeaway use and external alterations to the shop front.
Pending
26/AP/3245
Installation of AC plant to existing gantry, erection of delivery canopy, construction of bin store, and modification of door and roller shutter openings to rear elevation.
Pending
26/AP/3241
Variation of Condition 3 for planning application Ref Number: 94/AP/0167 dated 04/05/1994 for a limited revision to delivery and collection hours associated with Unit 2. Condition Number(s): 3 Conditions(s) Removal: It is proposed that the condition is varied to allow for operation of Iceland Food Warehouse's online delivery service Please see covering letter
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
61
Low confidence1 independent sourceLead to verifyListing checked 4 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 25% 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 edge2.5/15
claims [AVM +25.1% (MEDIUM), sold-comps +58.5%, £/sqft +58.5%] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
valuation_snapshotsestimate for 10091668356· as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%· as of 31 Oct 2026
Rental economics31.6/40
gross yield 9.3%; range width penalty ×0.92; the estimate this rent rides on sits 25% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2900/mo (range 2700-3100)· as of 10 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 25% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin14.5/30
stressed cash flow +419/mo, +14% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 55 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 4 Nov 2026
Risk & liquidity12.8/15
158 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 sensitivityScores 80+ up to £281,000
£281,000£431,000
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
£375,000
At the asking price
£2,900/mo
Evidenced range £2,700-£3,100
5.4%
75%
Cash required
£122,550
Net cash flow
£742/mo
Cash on cash
7.3%
Score at this price
61
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.29 - 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 10091668356Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 2900/mo (range 2700-3100)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 25% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 2900/mo (range 2700-3100)
Rental economics needs verification before you rely on it
sale estimate 25% above the ask on the same snapshot - verify the rent describes this home
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. Set your walk-away price before viewing - above £281,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.
Stress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026