Bull Barn, 45A Silver Street, Stevington, Bedford, MK43 7QN

UPRN:10093200579Detached House2 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: B (85)

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

Bull Barn, 45A Silver Street, Stevington, Bedford, MK43 7QN

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£554,000

£499k - £609kMedium

Estimate

£554k

Range

£499k – £609k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

3.07%

Verdict

Derived from HomePortfolio scores

Bull Barn earns an INVESTIGATE rating with HP Score 64/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (10/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

10/ 100

Low

Transit & Bike

Transit 5Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -37.6% (MEDIUM), sold-comps -24.0%, £/sqft -24.0%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10093200579· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.4%· as of 9 Nov 2026
Rental economics0/40
gross yield 3.1%; range width penalty ×0.74
- valuation_snapshotsrent estimate 1950/mo (range 1750-2200)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,914/mo, -98% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 104 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 10 Nov 2026
Risk & liquidity12.9/15
386 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

£572,000£877,000

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£762,500

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,750-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £258,175
Net cash flow: -£1,223/mo
Cash on cash: -5.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.76 - below 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 10093200579Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.4%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1950/mo (range 1750-2200)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 1950/mo (range 1750-2200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 104 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. 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£554,000

Rent Estimate (pcm)£1,950

Gross Yield3.07%

1y Growth-

3y Growth-1.4%

5y Growth+1.3%

10y Growth+3.1%

Last Sold Price£675,000 (2021-06-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK43 7QN

Approval Rate

-12mo

Development

low

26/00400/AOC
22/01155/LBC - Condition 4 Door and windows (discharge of condition)
Approved
26/00103/LDP
Certificate to confirm that the details submitted do not require planning permission (Replacement Windows)
Rejected
26/00065/S73
Single and two storey rear extension, alterations and repairs to dwelling. Erection of car port, including variation of approved plans condition 2 attached to 19/01670/FUL to allow for change to the design of the rear extension
Pending

View Planning Timeline

Ownership

Corporate Ownership85.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-06-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,987

Population Density-

Owner Occupied79%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Lincroft Academy
1.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Oakley Primary Academy
1.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Bromham CofE Primary School
1.6 mi
Good
Carlton CofE Primary School
2.5 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

5 Silver Street
-
£190k
-
9 Silver Street
-
£280k
-
11 Silver Street
-
£588k
-
49 Silver Street
-
£255k
-

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