Flat 2, 2 The Orchard House, Churchill Drive, Crediton, EX17 2EF

UPRN:10093536902Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: C (76)

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

Flat 2, 2 The Orchard House, Churchill Drive, Crediton, EX17 2EF

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

£119,000

£113k - £125kHigh

Estimate

£119k

Range

£113k – £125k

Rent Estimate (pcm)

£450

£400 - £500

Monthly

£450

Yield

3.27%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 78/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (76/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

76/ 100

High

Transit & Bike

Transit 20Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -38.7% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10093536902· as of 12 Oct 2026
Rental economics0/40
gross yield 3.3%; range width penalty ×0.76
- valuation_snapshotsrent estimate 450/mo (range 400-500)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -512/mo, -114% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 126 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 9 Nov 2026
Risk & liquidity14.6/15
179 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

£124,000£189,500

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£165,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£500

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: -£245/mo
Cash on cash: -5.7%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.81 - 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

valuation_snapshotsestimate for 10093536902Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 450/mo (range 400-500)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 450/mo (range 400-500)
Stress margin needs verification before you rely on it
service charge / ground rent from 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. 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£119,000

Rent Estimate (pcm)£450

Gross Yield3.27%

1y Growth-6.3%

3y Growth-1.1%

5y Growth+1.6%

10y Growth+2.8%

Last Sold Price£135,000 (2020-01-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX17 2EF

Approval Rate

-12mo

Development

low

26/01412/HOUSE
Erection of first floor extension and internal alterations
Pending
26/01300/HOUSE
Erection of garage and workshop following demolition of existing garage
Pending
26/01378/CAT
Notification of intention to crown lift 1 Common Lime tree to 2.5m; remove 1 storm-damaged limb from the southern crown of 1 Common Lime tree; crown lift 1 Common Lime tree to 3m; crown lift 1 Indian Bean tree to 2.5m; crown lift 1 Red Oak tree to 3m by removing subordinate branches less than 150mm in diameter; and fell 1 Southern Beech tree and 1 Birch tree to ground level, within the Conservation Area.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.9%
Overseas OwnershipNo
Lease Term Remaining193 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2020-01-31
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£31,908

Population Density2,946 /km²

Owner Occupied76%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

Queen Elizabeth's
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Landscore Primary School
0.3 mi
Good
Hayward's Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sandford School
1.2 mi
GoodConcerns

1 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 The Orchard House Churchill Drive
-
£165k
-
4 The Orchard House Churchill Drive
-
£215k
-
4 The Orchard House Churchill Drive
-
£150k
-
1 The Orchard House Churchill Drive
-
£188k
-

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