The Grain Loft, Crediton, EX17 3PY

UPRN:10093536121End Terrace HouseBeds -Built 2021

FreeholdCouncil Tax: Band EEPC: D (63)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

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

£529,000

£423k - £635kLow

Estimate

£529k

Range

£423k – £635k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

2.72%

Verdict

Derived from HomePortfolio scores

The Grain Loft earns an INVESTIGATE rating with HP Score 60/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (14/100). 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)Defra 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

60/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 36Bike 18

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 edge0/15
claims [sold-comps -54.0%, £/sqft -53.9%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.6%· as of 29 Oct 2026
Rental economics0/40
gross yield 2.7%; range width penalty ×0.78
- valuation_snapshotsrent estimate 2150/mo (range 1950-2400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,558/mo, -119% 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), 47 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 & liquidity9.2/15
179 sales/12mo in area; valuation range width 40%
- 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,950-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£1,718/mo
Cash on cash: -6.3%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.67 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.6%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1950-2400)Rental economics · as of 12 Oct 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
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 2150/mo (range 1950-2400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 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£529,000

Rent Estimate (pcm)£2,150

Gross Yield2.72%

1y Growth-

3y Growth-1.1%

5y Growth+1.6%

10y Growth+2.8%

Last Sold Price£145,000 (2018-08-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

3EX17 3PY

Approval Rate

-12mo

Development

low

26/01048/FULL
Retention of amended design and layout to Plots 2 and 3 relating to planning permission 23/01522/FULL (Erection of 4 dwellings and associated infrastructure) including changes to positioning within plot, external appearance (window sizes and positions), materials and alterations to internal layout
Conditions
26/00132/FULL
Retrospective application for amended design and siting of a garage and shed associated with dwelling approved under Planning Permission 22/00295/FULL
Pending
26/00126/FULL
Retrospective application for the amended design and layout to planning permission 18/01830/FULL, including the provision of 2 garages and an outbuilding
Pending

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-08-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,908

Population Density68 /km²

Owner Occupied74%

Age Distribution

0-15 20%16-64 59%65+ 21%

View Area Profile

Schools Nearby

Hayward's Primary School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Queen Elizabeth's
2.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Landscore Primary School
2.1 mi
Good
Newton St Cyres Primary School
2.5 mi
Good

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Old Tin Barn
-
£1.25M
-
The Shire Stable
-
£1.35M
-
The Threshing Barn
-
£1.04M
-
The Threshing Barn
-
£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