17 Oyster Street, Portsmouth, PO1 2HZ

UPRN:1775062853Mid Terrace House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band EEPC: D (62)

Data freshness:Listing· freshPlanning· 7mo agoOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£566,000

£537k - £594kHigh

Estimate

£566k

Range

£537k – £594k

Rent Estimate (pcm)

£3,450

£3k - £4k

Monthly

£3,450

Yield

8.28%

Verdict

Derived from HomePortfolio scores

17 Oyster Street earns an INVESTIGATE rating with HP Score 77/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 19Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 10 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +11.7% (HIGH), sold-comps +4.9%, £/sqft +5.0%] → 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 10 Nov 2026
- valuation_snapshotsestimate for 1775062853· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20%· as of 3 Nov 2026
Rental economics25.4/40
gross yield 8.3%; range width penalty ×0.97
- valuation_snapshotsrent estimate 3450/mo (range 3250-3650)· as of 10 Nov 2026· verify before relying on this
Stress margin8.6/30
stressed cash flow +296/mo, +9% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 277 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 10 Nov 2026
Risk & liquidity14.6/15
204 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 sensitivityScores 80+ up to £375,000

£375,000£575,000

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£499,995

At the asking price

Monthly rent£3,450/mo

Evidenced range £3,250-£3,650

Interest rate5.4%

Loan to value75%

Cash required: £166,299
Net cash flow: £701/mo
Cash on cash: 5.1%
Score at this price: 51

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.04 - 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 1775062853Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 3450/mo (range 3250-3650)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 3450/mo (range 3250-3650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 277 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 →flood, subsidence, crime, environment - the full domain

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. Set your walk-away price before viewing - above £375,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£566,000

Rent Estimate (pcm)£3,450

Gross Yield8.28%

1y Growth+58.5%

3y Growth-1.1%

5y Growth+1.8%

10y Growth+2.8%

Last Sold Price£324,250 (2005-11-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PO1 2HZ

Approval Rate

-12mo

Development

low

26/00144/GR3
INSTALLATION OF A PERFORMANCE STRUCTURE OVER PERFORMANCE SPACE APPROVED BY PLANNING PERMISSION 25/00063/GR3
Approved
26/00469/FUL
Construction of rear extension at ground floor level to create one additional apartment, including relocation of refuse and cycle storage and provision of ground floor balconies and first floor terrace.
Pending
26/00432/NMA
Application for non-material amendment to planning permission 25/00841/FUL to seek approval of amended plans relating to external alterations
Approved

View Planning Timeline

Ownership

Corporate Ownership52.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-11-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,962

Population Density-

Owner Occupied60%

Age Distribution

0-15 9%16-64 57%65+ 34%

View Area Profile

Schools Nearby

The Portsmouth Grammar School
0.3 mi
Inspected by ISI
St Jude's CofE Primary School
0.3 mi
GoodConcerns
University of Portsmouth
0.6 mi
-
St George's Beneficial Church of England (Voluntary Controlled) Primary School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Oyster Street
-
£535k
-
37 Oyster Street
-
£305k
-
41 Oyster Street
-
£370k
-
7 Oyster Street
-
£560k
-

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