Data freshness:●Ownership· freshOwnership: fresh, refreshed 4d ago (2026-11-06T17:49:50.876056+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· freshSchools: fresh, refreshed 5d ago (2026-11-05T17:42:09.721250+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
83
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
16 of 21 sources
Sale Estimate
£427,000
£384k - £470kMedium
Estimate
£427k
Range
£384k – £470k
Rent Estimate (pcm)
£2,000
£2k - £2k
Monthly
£2,000
Yield
7.74%
Verdict
Derived from HomePortfolio scores
Flat 1 earns an INVESTIGATE rating with HP Score 83/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (91/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
Non-material amendment to planning permission 2026/0433 in respect of Condition 8 (Cycle Parking Provision) to allow the utilisation of six existing dedicated underground cycle parking spaces at Jessica House in place of constructing the additional six-space secure external cycle enclosure shown on the originally approved plans and secured by condition 8
Pending
PA2026/0527
Notification of intention to replacing 3 antennas with 6 antennas on existing main support pole, 2 equipment cabinets with 1equipment cabinet and ancillary development.
Approved
PA2026/0382
Alterations including erection of single-storey rear/side extension
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
34
Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026
This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.
Check before relying on this score: the estimate sits 27% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +27.4% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
valuation_snapshotsestimate for 10097179140· as of 9 Nov 2026
Rental economics19.7/40
gross yield 7.7%; range width penalty ×0.90; the estimate this rent rides on sits 27% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2000/mo (range 1850-2150)· as of 9 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin1.6/30
stressed cash flow +32/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 42 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 & liquidity12.8/15
779 sales/12mo in area; valuation range width 20%
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
£232,500£356,500
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
£310,000
At the asking price
£2,000/mo
Evidenced range £1,850-£2,150
5.4%
75%
Cash required
£99,800
Net cash flow
£338/mo
Cash on cash
4.1%
Score at this price
34
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.91 - clears 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 10097179140Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2000/mo (range 1850-2150)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this