Data freshness:●Listing· freshListing: fresh, refreshed 5d ago (2026-11-03T04:00:05.311355+00:00)●Planning· 3mo agoPlanning: ageing, refreshed 3mo ago (2026-08-13T08:23:41.781306+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
62
/ 100
Mixed
Verdict
3 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£388,000
£369k - £407kHigh
Estimate
£388k
Range
£369k – £407k
Rent Estimate (pcm)
£1,600
£1k - £2k
Monthly
£1,600
Yield
4.86%
Verdict
Derived from HomePortfolio scores
Flat 11 earns an INVESTIGATE rating with HP Score 62/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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.
Submission of details required by conditions 5 (Traffic Management Plan) and 6 (Demolition and Construction Environmental Management Plan) of planning permission 25/04382/FUL.
Pending
25/04386/CONDB
Submission of details required by conditions 3 (Traffic Management Plan) and 4 (Demolition and Construction Management Plan) of planning permission 25/04386/FUL.
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
Opportunity
Why this could be an opportunity
0
Low confidence0 independent sourcesListing checked 3 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 -1.8% (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 Oct 2026
valuation_snapshotsestimate for 10093700749· as of 9 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.82
valuation_snapshotsrent estimate 1600/mo (range 1450-1750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -714/mo, -45% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 192 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 3 Nov 2026
Risk & liquidity0/15
lease 5 years (under 80): most lenders refuse it - risk scores nothing; 68 sales/12mo in area; valuation range width 10%
property_intelligencetransactions_12mo
listing_factslease 5 years remaining (advert)· as of 3 Nov 2026
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
£296,000£454,000
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
£395,000
At the asking price
£1,600/mo
Evidenced range £1,450-£1,750
5.4%
75%
Cash required
£129,550
Net cash flow
-£225/mo
Cash on cash
-2.1%
Score at this price
0
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 10093700749Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1450-1750)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026