Tarvin Lock Cottage, The Holkham, Vicars Cross, Chester, CH3 5NE

UPRN:200000823246Detached House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band DEPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021

Tarvin Lock Cottage, The Holkham, Vicars Cross, Chester, CH3 5NE

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

£804,000

£764k - £844kHigh

Estimate

£804k

Range

£764k – £844k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.59%

Verdict

Derived from HomePortfolio scores

Tarvin Lock Cottage earns an INVESTIGATE rating with HP Score 77/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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.

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

58/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

59/ 100

Moderate

Transit & Bike

Transit 25Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 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: 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 +2.4% (HIGH)] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 200000823246· as of 12 Oct 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.77
- valuation_snapshotsrent estimate 3000/mo (range 2700-3350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,237/mo, -41% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 146 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 2 Nov 2026
Risk & liquidity14.6/15
426 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

£589,000£902,500

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

Purchase price£785,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,700-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £266,050
Net cash flow: -£572/mo
Cash on cash: -2.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - below 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 200000823246Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3000/mo (range 2700-3350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3000/mo (range 2700-3350)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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. 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£804,000

Rent Estimate (pcm)£3,000

Gross Yield4.59%

1y Growth-8.3%

3y Growth+1.6%

5y Growth+3.0%

10y Growth+3.3%

Last Sold Price£700,000 (2020-08-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CH3 5NE

Approval Rate

-12mo

Development

low

26/03412/TPO
Remove the Holly tree to remove any future issues due to the close proximity to the building, currently 18 inch from the building at gutter height. Replant in a different location of the garden the same species.
Pending
26/03257/NMA
Non-Material amendment to planning application 26/00712/FUL (A lower flat roof form, together with the addition of a flat rooflight to side extension and a second glazed sidelight to the entrance door).
Rejected
26/03192/FUL
Double storey side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership69.1%
Overseas OwnershipNo
Lease Term Remaining228 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-08-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,391

Population Density2,459 /km²

Owner Occupied81%

Age Distribution

0-15 21%16-64 59%65+ 20%

View Area Profile

Schools Nearby

Cherry Grove Primary School
0.2 mi
-
Boughton Heath Academy
0.4 mi
Outstanding
Hoole Church of England Primary School
0.4 mi
Inspected as Hoole Church of England Primary School (URN 134248) on 21 Jan 2025
Oldfield Primary School
0.5 mi
Inspected as Oldfield Primary School (URN 111230) on 14 Sep 2023

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

View All Schools

Comparables

View All

33 The Holkham
-
£323k
-
12 The Holkham
-
£498k
-
25 The Holkham
-
£300k
-
8 The Holkham
-
£550k
-

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