Flat 4, Mercers Croft, 29A High Street, Stratford-upon-Avon, CV37 6AU

UPRN:10093541192Flat/Maisonette0 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: C (71)

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

Flat 4, Mercers Croft, 29A High Street, Stratford-upon-Avon, CV37 6AU

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£239,000

£192k - £287kLow

Estimate

£239k

Range

£192k – £287k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

2.62%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 56/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (72/100). 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 listingsMarket 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

56/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

72/ 100

High

Transit & Bike

Transit 34Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 2.6%; range width penalty ×0.88
- valuation_snapshotsrent estimate 950/mo (range 900-1050)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,283/mo, -135% 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
Risk & liquidity9.3/15
591 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£435,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £143,550
Net cash flow: -£810/mo
Cash on cash: -6.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.65 - 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_snapshotsrent estimate 950/mo (range 900-1050)Rental economics · as of 9 Oct 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 Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 950/mo (range 900-1050)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£239,000

Rent Estimate (pcm)£950

Gross Yield2.62%

1y Growth-

3y Growth-0.3%

5y Growth+0.0%

10y Growth+2.1%

Last Sold Price£235,000 (2018-03-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2CV37 6AU

Approval Rate

-12mo

Development

low

SDC/25CC007
Variation of condition to planning permission ref: SDC/22CC008 new build of 4 No of 2 and 3 storey extensions and internal refurbishment to Stratford Upon Avon School with associated soft and hard landscaping scheme with new internal bus pick up/drop off loop road and associated new car parking spaces to the front of the school.
Pending
26/02657/LBC
Installation of solar panels to the rear of Stratford Baptist Church
Pending
26/02656/FUL
Installation of solar panels to the rear of Stratford Baptist Church.
Pending

View Planning Timeline

Ownership

Corporate Ownership67.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-03-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,847

Population Density3,706 /km²

Owner Occupied53%

Age Distribution

0-15 8%16-64 52%65+ 40%

View Area Profile

Schools Nearby

King Edward VI School
0.2 mi
Outstanding
Stratford Preparatory School
0.2 mi
Inspected by ISI
Stratford-Upon-Avon Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Gregory's Catholic Primary School
0.3 mi
Inspected as St Gregory's Catholic Primary School (URN 125709) on 18 Jun 2014

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

View All Schools

Comparables

View All

18 High Street
-
£720k
-
29A High Street
-
£720k
-
15 High Street
-
£2k
-
15 High Street
-
£2k
-

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