20 Flora Garden, Fairfields, Milton Keynes, MK11 4DT

UPRN:10094483667Detached House4 bedsBuilt 2019

FreeholdCouncil Tax: Band FEPC: B (85)

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

20 Flora Garden, Fairfields, Milton Keynes, MK11 4DT

HP Score

/ 100

Strong

Verdict

5 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£703,000

£667k - £738kHigh

Estimate

£703k

Range

£667k – £738k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

4.82%

Verdict

Derived from HomePortfolio scores

20 Flora Garden earns an INVESTIGATE rating with HP Score 78/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (57/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

72/ 100

High

Crime Score

17/ 100

Moderate

Walkability

57/ 100

Moderate

Transit & Bike

Transit 11Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -1.0% (HIGH), sold-comps -26.8%, £/sqft -26.8%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 10094483667· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 2.1%· as of 7 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.85
- valuation_snapshotsrent estimate 2850/mo (range 2600-3100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,031/mo, -36% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 151 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 2 Nov 2026
Risk & liquidity14.6/15
125 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

£532,500£816,500

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£710,000

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,600-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £239,800
Net cash flow: -£423/mo
Cash on cash: -2.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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 10094483667Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 2.1%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 2850/mo (range 2600-3100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 2850/mo (range 2600-3100)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 151 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. 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£703,000

Rent Estimate (pcm)£2,850

Gross Yield4.82%

1y Growth-

3y Growth+5.0%

5y Growth-0.1%

10y Growth+1.4%

Last Sold Price£599,995 (2022-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK11 4DT

Approval Rate

-12mo

Development

low

PLN/2026/2093
Erection of a new SEND educational block and community centre together with associated, parking, hard and soft landscaping
Pending
PLN/2026/2064
Certificate of lawfulness for the proposed conversion of existing garage into a gym, shower room and utility room
Pending
PLN/2026/1914
Certificate of lawfulness for proposed loft conversion with installation of a rear dormer extension with obscure side window and rooflight to the front roof slope. Existing solar photovoltaic panels to the front roof slope to be retained
Approved

View Planning Timeline

Ownership

Corporate Ownership61.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-09-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,061

Population Density3,612 /km²

Owner Occupied65%

Age Distribution

0-15 28%16-64 70%65+ 2%

View Area Profile

Schools Nearby

Fairfields Primary School
0.6 mi
Good
St Mary Magdalene Catholic Primary School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Russell Street School
0.8 mi
OutstandingImproving
St Mary and St Giles Church of England School
0.9 mi
Good

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

View All Schools

Comparables

View All

22 Flora Garden
-
£520k
-
17 Flora Garden
-
£750k
-
16 Flora Garden
-
£465k
-
20 Flora Garden
-
£600k
-

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