Flat 14, Kilby House, 1 Gambit Avenue, Oakgrove, Milton Keynes, MK10 9UB

UPRN:10093307955Purpose Built Flat2 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: C (73)

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

Flat 14, Kilby House, 1 Gambit Avenue, Oakgrove, Milton Keynes, MK10 9UB

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£293,000

£278k - £308kHigh

Estimate

£293k

Range

£278k – £308k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

8.16%

Verdict

Derived from HomePortfolio scores

Flat 14 earns an INVESTIGATE rating with HP Score 68/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (35/100). 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

68/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 6Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM +14.7% (HIGH)] → measured edge +0.00pp 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 10093307955· as of 9 Nov 2026
Rental economics24.4/40
gross yield 8.2%; range width penalty ×0.96
- valuation_snapshotsrent estimate 1700/mo (range 1600-1800)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -152/mo, -9% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 285 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
200 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 sensitivity

£187,500£287,500

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£250,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,600-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £333/mo
Cash on cash: 5.1%
Score at this price: 39

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.01 - 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 10093307955Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1700/mo (range 1600-1800)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1700/mo (range 1600-1800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 285 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. 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. 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£293,000

Rent Estimate (pcm)£1,700

Gross Yield8.16%

1y Growth-38.7%

3y Growth-0.7%

5y Growth-0.1%

10y Growth+2.6%

Last Sold Price£317,000 (2022-05-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK10 9UB

Approval Rate

-12mo

Development

low

PLN/2026/2210
Certificate of lawfulness for the proposed single storey front and side extensions, two storey rear extension and detached out-building
Pending
PLN/2026/2115
Proposed construction of a detached two storey dwelling, detached garage and associated landscaping on previously developed land
Pending
PLN/2026/2005
Approval of details required by conditions 5 (ground condition assessment), 6 (bird and bat boxes/bricks), 7 (external lighting strategy), 9 (bin storage) and 10 (surface water drainage scheme) of permission ref. PLN/2025/2550
Pending

View Planning Timeline