Data freshness:●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T11:19:34.171731+00:00)●Planning· freshPlanning: fresh, refreshed 5d ago (2026-10-31T07:49:08.491154+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
HP Score
81
/ 100
Strong
Verdict
4 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
18 of 21 sources
Sale Estimate
£640,000
£576k - £704kMedium
Estimate
£640k
Range
£576k – £704k
Rent Estimate (pcm)
£3,400
£3k - £4k
Monthly
£3,400
Yield
8.16%
Verdict
Derived from HomePortfolio scores
First Floor Flat earns an INVESTIGATE rating with HP Score 81/100. Investment score 76/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (94/100). 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.
To pollard of 3x Plane trees and 1x Larch tree for safety management.
Pending
26/03195/LDCP
Certificate of Lawful Development (Proposed) with respect to insertion of a gable window into the apex roof front elevation.
Pending
26/AP/3218
Tree ID 8479 Corkscrew Willow tree in the rear garden, approximately 14m in height: Remove two hanging broken limbs, including one over the neighbouring garden and one over a garden building, and carry out an overall crown reduction of up to 3 metres, retaining a natural final shape with pruning to suitable growth points to encourage regrowth. Tree ID 8480 Sycamore tree on the front garden pavement boundary, approximately 13m in height: remove dead wood only.
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
43
Low confidence0 independent sourcesLead 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 22% 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 +21.9% (MEDIUM), sold-comps -1.4%, £/sqft -1.5%] → 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 13 Oct 2026
valuation_snapshotsestimate for 200000479644· as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.4%· as of 1 Nov 2026
Rental economics22.9/40
gross yield 8.2%; range width penalty ×0.91; the estimate this rent rides on sits 22% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 3400/mo (range 3150-3650)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin7.6/30
stressed cash flow +260/mo, +8% 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 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 378 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 & liquidity12.8/15
146 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 sensitivityScores 70+ up to £387,500
£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
£500,000
At the asking price
£3,400/mo
Evidenced range £3,150-£3,650
5.4%
75%
Cash required
£166,300
Net cash flow
£666/mo
Cash on cash
4.8%
Score at this price
43
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.01 - 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 200000479644Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.4%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 3400/mo (range 3150-3650)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 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 3400/mo (range 3150-3650)
Rental economics needs verification before you rely on it
sale estimate 22% 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £387,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.
Stress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026