127 Bromham Road, Bedford, MK40 4BS

UPRN:10093201915Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: B (85)

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

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£567,000

£538k - £595kHigh

Estimate

£567k

Range

£538k – £595k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

5.89%

Verdict

Derived from HomePortfolio scores

127 Bromham Road earns an INVESTIGATE rating with HP Score 84/100. Investment score 80/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (90/100). 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

84/ 100

Strong

Investment Score

80/ 100

High

Crime Score

24/ 100

Moderate

Walkability

90/ 100

Excellent

Transit & Bike

Transit 25Bike 82

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 6 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +6.5% (HIGH), sold-comps +21.5%, £/sqft +21.5%] → 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10093201915· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.4%· as of 9 Nov 2026
Rental economics21.2/40
gross yield 7.7% on contractual rent (listing-disclosed tenancy); contractual 3580/mo far above the 2600/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 3580/mo (tenanted)· as of 6 Nov 2026· verify before relying on this
Stress margin3.5/30
stressed cash flow +118/mo, +4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity14.6/15
380 sales/12mo in area; valuation range width 10%
- 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 70+ up to £424,000

£397,500£609,500

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

Purchase price£530,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,400-£2,850

Interest rate5.4%

Loan to value75%

Cash required: £176,800
Net cash flow: £11/mo
Cash on cash: 0.1%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.45 - 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 10093201915Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.4%Valuation edge · as of 9 Nov 2026
listing_factscontractual rent 3580/mo (tenanted)Rental economics · as of 6 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
contractual rent 3580/mo (tenanted)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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 →flood, subsidence, crime, environment - the full domain

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £424,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£567,000

Rent Estimate (pcm)£2,600

Gross Yield5.89%

1y Growth+21.4%

3y Growth+2.8%

5y Growth+2.4%

10y Growth+4.6%

Last Sold Price£436,795 (2017-02-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0MK40 4BS

Approval Rate

-12mo

Development

low

26/01840/SPNJ
Prior notification for the installation, alteration or replacement on non-domestic properties of (a) micro-generation solar thermal equipment; (b) micro-generation solar PV equipment; or (c) other solar PV equipment on the roof. This is not a planning application because it relates to development that is permitted by Government Regulation. It will not therefore be reported to the Planning Committee but considered by officers under delegated powers. Comments received will be considered but if notification of a decision is not made to the Applicant within 56 days of the date of registration of the proposal, it can proceed.
Pending
26/01819/FUL
Single storey side/rear extension including connection to and conversion of existing garage block.
Pending
26/01766/COU
Change of use from C3 Dwellinghouse to C2 Residential Care Home for up to 2 children
Pending

View Planning Timeline

Ownership

Corporate Ownership61.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-02-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,987

Population Density3,081 /km²

Owner Occupied72%

Age Distribution

0-15 26%16-64 65%65+ 9%

View Area Profile

Schools Nearby

Great Ouse Primary Academy
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Francis of Assisi Catholic Primary and Pre-School
0.2 mi
Good
Biddenham International School and Sports College
0.4 mi
-
Westfield Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

85 Bromham Road
-
£850k
-
135 Bromham Road
-
£700k
-
97 Bromham Road
-
£1.10M
-
115 Bromham Road
-
£650k
-

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