Flat 40, Wilson Court, Stirling Drive, Luton, LU2 0GF

UPRN:10093289809Purpose Built Flat2 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: B (83)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 40, Wilson Court, Stirling Drive, Luton, LU2 0GF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£262,000

£249k - £275kHigh

Estimate

£262k

Range

£249k – £275k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

8.37%

Verdict

Derived from HomePortfolio scores

Flat 40 earns an INVESTIGATE rating with HP Score 73/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (63/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

63/ 100

Moderate

Transit & Bike

Transit 24Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 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 18% 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 +17.9% (HIGH), sold-comps +10.8%, £/sqft +10.9%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10093289809· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 3.7%· as of 1 Nov 2026
Rental economics25.2/40
gross yield 8.4%; range width penalty ×0.93; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1500/mo (range 1400-1600)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin4.4/30
stressed cash flow +65/mo, +4% 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 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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 2 Nov 2026
Risk & liquidity14.7/15
556 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 £172,000

£161,000£247,000

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£215,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £67,600
Net cash flow: £313/mo
Cash on cash: 5.6%
Score at this price: 47

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - 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 10093289809Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 3.7%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1600)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 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 1500/mo (range 1400-1600)
Rental economics needs verification before you rely on it
sale estimate 18% 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 £172,000 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.

Valuation & Market

Sale Estimate£262,000

Rent Estimate (pcm)£1,500

Gross Yield8.37%

1y Growth-

3y Growth+1.6%

5y Growth+3.4%

10y Growth+3.5%

Last Sold Price£241,300 (2019-06-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LU2 0GF

Approval Rate

-12mo

Development

low

26/01063/PRIORD
Request for Prior Approval - Demolition of all buildings outlined in red on the site and location plans under the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended)- Schedule 2, Part 11, Class B - Demolition of the pedestrian bridge which formerly provided pedestrian access across the A505 (Vauxhall Way) to the former Vauxhall Van Factory.
Pending
26/01066/DOC
Demolition of existing dwelling No. 4 Seymour Avenue and existing garage block to the west of the site and the erection of two and half storey building to provide 3 flats (2 x 2 bed and 1 x1 bed) with associated amenity space and surface parking area. Discharge of conditions 12 (Contamination) and 13 (Verification Report) of Planning permission 25/00548/FUL dated 21 November 2025.
Pending
26/01062/AMEND
Outline Planning Application for demolition of the existing buildings and redevelopment for a mix of new industrial, storage and distribution uses (Classes E(g)(iii), B2 and B8) and cafe (Class E). To include access from Kimpton Road and Vauxhall Way, servicing, parking, landscaping and associated works. - Non-Material Amendments pertaining to Conditions 35 (Noise Assessment) and 40 (Habitat Management and Monitoring Plan- HMMP) of Planning Permission No. 26/00064/OUTEIA dated 6th October 2026
Pending

View Planning Timeline

Ownership

Corporate Ownership65.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-06-11
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£28,741

Population Density2,788 /km²

Owner Occupied68%

Age Distribution

0-15 17%16-64 70%65+ 13%

View Area Profile

Schools Nearby

Chiltern Academy
0.2 mi
Good
The Linden Academy
0.3 mi
Good
Hart Hill Nursery School
0.4 mi
GoodImproving
Crawley Green Infant School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Wilson Court Stirling Drive
-
£260k
-
Wilson Court Stirling Drive
-
£220k
-
Wilson Court Stirling Drive
-
£280k
-
Wilson Court Stirling Drive
-
£270k
-

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