14 Bellflower Gardens, Biggleswade, SG18 8YW

UPRN:10095394398Detached House6 bedsBuilt 2019

FreeholdCouncil Tax: Band FEPC: B (85)

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

14 Bellflower Gardens, Biggleswade, SG18 8YW

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£693,000

£658k - £728kHigh

Estimate

£693k

Range

£658k – £728k

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

4.63%

Verdict

Derived from HomePortfolio scores

14 Bellflower Gardens earns an INVESTIGATE rating with HP Score 80/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is low. 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 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)ONS 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

80/ 100

Strong

Investment Score

70/ 100

High

Crime Score

23/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£700,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,400-£2,950

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£493/mo
Cash on cash: -2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£693,000

Rent Estimate (pcm)£2,700

Gross Yield4.63%

1y Growth+16.0%

3y Growth-0.5%

5y Growth+1.1%

10y Growth+3.3%

Last Sold Price£580,000 (2023-11-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SG18 8YW

Approval Rate

-12mo

Development

low

CB/26/03027/FULL
Erection of a single-storey rear extension. Alterations to fenestration on the front and side elevations of the partially converted garage and removal of the existing roof chimney
Pending
CB/26/02853/FULL
Loft conversion with rear facing dormer window and Velux rooflights to front and rear elevations
Pending
CB/26/02603/LDCP
Lawful Development Certificate Proposed, Single storey rear extension
Approved

View Planning Timeline

Ownership

Corporate Ownership67.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-11-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,622

Population Density205 /km²

Owner Occupied71%

Age Distribution

0-15 18%16-64 64%65+ 18%

View Area Profile

Schools Nearby

Stratton School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Biggleswade Academy
0.4 mi
Good
Ivel Valley School & College
0.6 mi
GoodImproving
Lawnside Academy
0.7 mi
Good

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Bellflower Gardens
-
£382k
-
3 Bellflower Gardens
-
£364k
-
8 Bellflower Gardens
-
£417k
-
22 Bellflower Gardens
-
£536k
-

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