Data freshness:●Listing· freshListing: fresh, refreshed yesterday (2026-11-05T04:00:06.311246+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T11:07:23.304765+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:58:37.549674+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+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· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
56
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
19 of 21 sources
Sale Estimate
£305,000
£290k - £320kHigh
Estimate
£305k
Range
£290k – £320k
Rent Estimate (pcm)
£1,400
£1k - £2k
Monthly
£1,400
Yield
6.72%
Verdict
Derived from HomePortfolio scores
Flat 3 earns an INVESTIGATE rating with HP Score 56/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is good (73/100). 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.
Single storey (Max 6m deep and Max 3m high) rear extension (42 days Prior Notification Process)
Pending
263749NMA
Application for a Non-Material Amendment in (S96a) seeking to allow to alter the exterior appearance in relation to planning permission reference 253558FUL dated 28/01/2026 for: Construction of temporary building to be used as a food store (Use Class E) for up to 15 years
Pending
263724PTT
Sycamore tree, Index No T6, Remove as per 10785 Holm Oak tree, Tree index no T7 on attached report reference 10785, Remove Common Lime, Tree index T2 on attached report reference 10785, crown lift 5 metres, Lateral crown reduction
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
30
Low confidence1 independent sourceLead to verifyListing checked 5 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 18% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [AVM +18.0% (HIGH), sold-comps +18.8%, £/sqft +18.9%] → measured edge +0.50pp 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 9 Oct 2026
valuation_snapshotsestimate for 12199611· as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.4%· as of 20 Oct 2026
Rental economics12.6/40
gross yield 6.7%; range width penalty ×0.91; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1400/mo (range 1300-1500)· as of 9 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -156/mo, -11% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 62 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 5 Nov 2026
Risk & liquidity14.7/15
126 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
£187,500£287,500
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
£250,000
At the asking price
£1,400/mo
Evidenced range £1,300-£1,500
5.4%
75%
Cash required
£78,800
Net cash flow
£125/mo
Cash on cash
1.9%
Score at this price
30
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - 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 12199611Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.4%Valuation edge · as of 20 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1300-1500)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 1400/mo (range 1300-1500)
Rental economics needs verification before you rely on it
sale estimate 18% above the ask on the same snapshot - verify the rent describes this home
Plan
Before you offer
1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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.
Stress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026