Flat 52, The Elms, 26 John Street, Luton, LU1 2EE

UPRN:10093289975Purpose Built Flat1 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: B (83)

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

Flat 52, The Elms, 26 John Street, Luton, LU1 2EE

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£138,000

£131k - £145kHigh

Estimate

£138k

Range

£131k – £145k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

7.11%

Verdict

Derived from HomePortfolio scores

Flat 52 earns an INVESTIGATE rating with HP Score 64/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). 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

64/ 100

Mixed

Investment Score

69/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 66Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0.6/15
claims [AVM +2.2% (HIGH), sold-comps +0.7%, £/sqft +1.1%] → 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
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10093289975· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 3.3%· as of 27 Oct 2026
Rental economics34/40
gross yield 9.2% on contractual rent (listing-disclosed tenancy); contractual 1100/mo far above the 800/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1100/mo (tenanted)· as of 6 Nov 2026· verify before relying on this
Stress margin6.2/30
stressed cash flow +65/mo, +6% 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 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 258 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
328 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 £115,000

£101,000£155,000

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£135,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £42,000
Net cash flow: £98/mo
Cash on cash: 2.8%
Score at this price: 55

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.76 - 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 10093289975Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 3.3%Valuation edge · as of 27 Oct 2026
listing_factscontractual rent 1100/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 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
contractual rent 1100/mo (tenanted)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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 £115,000 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£138,000

Rent Estimate (pcm)£800

Gross Yield7.11%

1y Growth-

3y Growth+0.1%

5y Growth-0.5%

10y Growth+3.9%

Last Sold Price£155,000 (2019-01-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LU1 2EE

Approval Rate

-12mo

Development

low

26/01106/DOC
Erection of 32 dwellings comprising of 4 bedroom town houses and 8 garages on existing car park. Discharge of conditions 16 (Validation Report) and 17 (Contamination) of Planning permission 19/00925/FUL dated 11 June 2020.
Pending
26/01087/COU
Conversion of existing premises from a six person HMO (C4) into a seven person HMO (Sui Generis).
Pending
26/01082/LAWE
Certificate of Lawfulness of existing use- Change of use of the basement to a one bed self contained flat.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.4%
Overseas OwnershipNo
Lease Term Remaining115 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-01-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,741

Population Density5,357 /km²

Owner Occupied9%

Age Distribution

0-15 17%16-64 82%65+ 1%

View Area Profile

Schools Nearby

University of Bedfordshire
0.2 mi
-
Lime Academy Hartwell
0.4 mi
Inspected as Windmill Hill School (URN 148558) on 14 Feb 2024
St Matthew's Primary School
0.5 mi
Good
Rothesay Nursery School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Elms, 26 John Street
-
£150k
-
The Elms, 26 John Street
-
£150k
-
The Elms, 26 John Street
-
£135k
-
The Elms, 26 John Street
-
£170k
-

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