Herwick House, 2 The Shearings, Sutton Benger, Chippenham, SN15 4PU

UPRN:10096041732Detached House5 bedsBuilt 2021

FreeholdCouncil Tax: Band GEPC: B (86)

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

Herwick House, 2 The Shearings, Sutton Benger, Chippenham, SN15 4PU

HP Score

/ 100

Mixed

Verdict

5 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£885,000

£841k - £930kHigh

Estimate

£885k

Range

£841k – £930k

Rent Estimate (pcm)

£2,750

£2k - £3k

Monthly

£2,750

Yield

3.47%

Verdict

Derived from HomePortfolio scores

Herwick House earns an INVESTIGATE rating with HP Score 68/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (20/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

20/ 100

Low

Transit & Bike

Transit 4Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -7.3% (HIGH), sold-comps -6.3%, £/sqft -6.3%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10096041732· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.1%· as of 8 Nov 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.69
- valuation_snapshotsrent estimate 2750/mo (range 2400-3100)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,117/mo, -77% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 4 Nov 2026
Risk & liquidity14.6/15
420 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,400-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£1,302/mo
Cash on cash: -4.8%
Score at this price: 15

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

valuation_snapshotsestimate for 10096041732Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.1%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 2750/mo (range 2400-3100)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 2750/mo (range 2400-3100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 40 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. 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£885,000

Rent Estimate (pcm)£2,750

Gross Yield3.47%

1y Growth-1.1%

3y Growth-1.1%

5y Growth+1.7%

10y Growth+2.9%

Last Sold Price£895,000 (2023-06-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SN15 4PU

Approval Rate

-12mo

Development

low

PL/2026/06911
T1 - Sycamore tree - reduce in height by up to 3 metres and remaining canopy pruned by 1.8m to retain form
Pending
PL/2026/06732
Demolition of two outbuildings for a single-storey rear extension. Extension to outbuilding and partially clad in timber.
Pending
PL/2026/06728
Single-storey rear extension and front porch extension
Pending

View Planning Timeline

Ownership

Corporate Ownership65.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-06-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,873

Population Density119 /km²

Owner Occupied81%

Age Distribution

0-15 18%16-64 58%65+ 24%

View Area Profile

Schools Nearby

Sutton Benger Church of England Primary School
0.4 mi
Good
Christian Malford CofE Primary School
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Seagry Church of England Primary School
1.4 mi
Good
Langley Fitzurse Church of England Primary School
1.4 mi
Good

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

View All Schools

Comparables

View All

Cheviot House, 4 The Shearings
-
£875k
-
Herwick House, 2 The Shearings
-
£895k
-
4 The Shearings
-
£950k
-
Swaledale House, 1 The Shearings
-
£950k
-

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