First Floor Flat, 20 St Thomas Street, Wells, BA5 2UX

UPRN:10097174518-Beds -Built -

Tenure: -Council Tax: -EPC: -

Data freshness:Listing· freshOwnership· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

First Floor Flat, 20 St Thomas Street, Wells, BA5 2UX

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£128,000

£103k - £154kLow

Estimate

£128k

Range

£103k – £154k

Rent Estimate (pcm)

-- - --

Verdict

Derived from HomePortfolio scores

First Floor Flat earns an INVESTIGATE rating with HP Score 81/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (70/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal 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)Walk ScoreONS 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

81/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

70/ 100

High

Transit & Bike

Transit 17Bike 38

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics8/40
gross yield 6.0% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 750/mo (tenanted)· as of 4 Nov 2026
Stress margin0/30
stressed cash flow -214/mo, -28% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026· verify before relying on this
Risk & liquidity9.3/15
221 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Evidence

Where every number comes from

listing_factscontractual rent 750/mo (tenanted)Rental economics · as of 4 Nov 2026
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Stress margin needs verification before you rely on it
service charge / ground rent from the advert

Plan

Before you offer

1. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£128,000

Rent Estimate (pcm)-

Gross Yield-

1y Growth-32.3%

3y Growth-0.4%

5y Growth+1.7%

10y Growth+2.3%

Last Sold Price£186,000 (2024-08-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BA5 2UX

Approval Rate

-12mo

Development

low

2026/2142/TCA
T1, T2 & T3- Declining willow- Fell to ground level,
Pending
2026/2100/LBC
Replacement of driveway surface.
Pending
2026/2118/APP
Application for approval of details reserved by conditions 3 (Materials-Submission of schedules and samples), 4 (Saddlestones-submission of details) on consent 2026/1181/LBC
Pending

View Planning Timeline

Ownership

Corporate Ownership65.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2024-08-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,908

Population Density1,492 /km²

Owner Occupied82%

Age Distribution

0-15 12%16-64 50%65+ 38%

View Area Profile

Schools Nearby

Wells Cathedral School
0.1 mi
Inspected by ISI
Stoberry Park School
0.2 mi
Inspected as Stoberry Park School (URN 132227) on 25 Jan 2024
St Joseph and St Teresa Catholic Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
The Blue School
0.5 mi
Good

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

View All Schools

Comparables

View All

36 St Thomas Street
-
£589k
-
28 St Thomas Street
-
£600k
-
20 St Thomas Street
-
£186k
-
Chantry Close St Thomas Street
-
£1.30M
-

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