Data freshness:●Listing· freshListing: fresh, refreshed 5d ago (2026-11-02T04:00:05.857782+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T10:16:21.723661+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:54:45.952943+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
66
/ 100
Mixed
Verdict
2 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£375,000
£356k - £393kHigh
Estimate
£375k
Range
£356k – £393k
Rent Estimate (pcm)
£1,250
£1k - £1k
Monthly
£1,250
Yield
4.29%
Verdict
Derived from HomePortfolio scores
14 Campbell Drive earns an INVESTIGATE rating with HP Score 66/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (24/100). 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.
USE OF OUTBUILDING AND REAR GARDEN FOR MINOR, LOW-INTENSITY PERSONAL TRAINING (1-ON-1 SESSIONS, AVERAGING ~8 HOURS PER WEEK), INCIDENTAL TO THE PRIMARY CLASS C3 RESIDENTIAL USE OF 12 OXENDEAN GARDENS.
Pending
WD/2026/2096/F
SIDE EXTENSIONS AND INTERNAL ADAPTATIONS TO MAKE THE PROPERTY SUITABLE FOR WHEELCHAIR USER, INCLUDING NEW HARD LANDSCAPING/DRIVEWAY TO PROVIDE LEVEL THRESHOLD ENTRANCES/EXITS AND PARKING FOR ACCESSIBLE VEHICLE
Pending
260499
Lawful Development Certificate for proposed single storey rear infillextension
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
17
Low confidence1 independent sourceListing checked 2 Nov 2026
This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.
Valuation edge2.3/15
claims [AVM +6.7% (HIGH), sold-comps +2.8%, £/sqft +2.8%] → measured edge +0.46pp 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 10 Oct 2026
valuation_snapshotsestimate for 10094620008· as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.3%· as of 22 Oct 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.80
valuation_snapshotsrent estimate 1250/mo (range 1100-1350)· as of 10 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -688/mo, -55% 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), 140 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 & liquidity14.7/15
333 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
£262,500£402,500
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
£350,000
At the asking price
£1,250/mo
Evidenced range £1,100-£1,350
5.4%
75%
Cash required
£113,800
Net cash flow
-£316/mo
Cash on cash
-3.3%
Score at this price
17
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - 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 10094620008Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.3%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 1250/mo (range 1100-1350)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · 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 1250/mo (range 1100-1350)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026