7 Velvet Way, Somerford, Congleton, CW12 4YT

UPRN:10095631157Detached House4 bedsBuilt 2021

FreeholdCouncil Tax: Band FEPC: B (85)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

7 Velvet Way, Somerford, Congleton, CW12 4YT

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£354,000

£283k - £425kLow

Estimate

£354k

Range

£283k – £425k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

3.49%

Verdict

Derived from HomePortfolio scores

7 Velvet Way earns an INVESTIGATE rating with HP Score 83/100. Investment score 74/100 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 listingsOfcom 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

83/ 100

Strong

Investment Score

74/ 100

High

Crime Score

18/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [sold-comps -0.5%, £/sqft -0.6%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 6.7%· as of 25 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1500-1750)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,274/mo, -80% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 58 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 11 Nov 2026
Risk & liquidity9.2/15
440 sales/12mo in area; valuation range width 40%
- 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£749/mo
Cash on cash: -4.9%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - 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

property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 6.7%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1750)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 1600/mo (range 1500-1750)
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. 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£354,000

Rent Estimate (pcm)£1,600

Gross Yield3.49%

1y Growth-31.3%

3y Growth+0.0%

5y Growth+2.1%

10y Growth+4.4%

Last Sold Price£514,995 (2024-08-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CW12 4YT

Approval Rate

-12mo

Development

low

26/1740/TPO
Oak tree - crown reduction by 1.5 metres; crown lift by 3 metres and removal of deadwood throughout the crown
Pending
26/1542/TPO
Reason for Works: The Sycamore tree has reached a size and condition that now presents concerns regarding safety, structural impact, and long‑term suitability for its location. The tree’s current growth is causing increased pressure on the surrounding area, including proximity to property boundaries and potential interference with structures and services. Due to its size and ongoing growth habit, the tree poses a foreseeable risk of branch failure, especially during adverse weather conditions. In addition, Sycamore is a vigorous species with a dense canopy and rapid regrowth, making ongoing management increasingly difficult within the confined space available. Removal is considered the most appropriate long‑term solution to prevent future safety issues and avoid repeated intervention. Proposed Works: Complete removal of the Sycamore tree to ground level. All works will be carried out in accordance with BS3998:2010 Tree Work – Recommendations, ensuring safe and controlled dismantling to protect the surrounding area. Replanting Proposal: A suitable replacement tree can be planted if required by the Local Planning Authority. Species can be discussed to ensure long‑term suitability for the site.
Pending
26/1531/HOUS
Proposed Outbuilding
Pending

View Planning Timeline