37 Oberton Gardens, Stafford, ST18 0FJ

UPRN:10093135674Semi-Detached House3 bedsBuilt -

FreeholdCouncil Tax: Band CEPC: B (84)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£286,000

£272k - £301kHigh

Estimate

£286k

Range

£272k – £301k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

5.14%

Verdict

Derived from HomePortfolio scores

37 Oberton Gardens earns an INVESTIGATE rating with HP Score 71/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (34/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

34/ 100

Mixed

Transit & Bike

Transit 5Bike 44

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£280,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: -£114/mo
Cash on cash: -1.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - 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£286,000

Rent Estimate (pcm)£1,200

Gross Yield5.14%

1y Growth-

3y Growth+3.9%

5y Growth+4.3%

10y Growth+4.3%

Last Sold Price£249,995 (2020-11-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST18 0FJ

Approval Rate

-12mo

Development

low

26/42940/NHPD
Single storey rear extension. 3.61m from rear wall. 2.85m max height. 2.85m height of eaves.
Pending
26/42513/FUL
Infill existing front canopy forming new porch
Approved
26/42431/T5N
TPO 61 1978: Willow - Fell. Ash - Remove hanger that is still attached. Sycamore - Fell as tree is 50% dead and within falling distance of road. Ash - Clear lateral branch. Unidentified Species - Fell standing dead tree within falling distance of road. Hawthorn - Clear from a lamppost.
Approved

View Planning Timeline

Ownership

Corporate Ownership71.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-11-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,872

Population Density-

Owner Occupied70%

Age Distribution

0-15 22%16-64 68%65+ 10%

View Area Profile

Schools Nearby

Veritas Primary Academy
0.5 mi
Good
The Weston Road Academy
0.6 mi
Good
St John's CofE Primary Academy
0.6 mi
Inspected as St John's CofE (C) Primary School (URN 124297) on 15 Jan 2013
St Leonard's Primary School
0.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 Oberton Gardens
-
£396k
-
10 Oberton Gardens
-
£433k
-
3 Oberton Gardens
-
£535k
-
8 Oberton Gardens
-
£565k
-

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