32B Elm Hill, Norwich, NR3 1HG

UPRN:200002478635Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: D (57)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

20 of 21 sources

Sale Estimate

£646,000

£614k - £678kHigh

Estimate

£646k

Range

£614k – £678k

Rent Estimate (pcm)

£3,350

£3k - £4k

Monthly

£3,350

Yield

6.70%

Verdict

Derived from HomePortfolio scores

32B Elm Hill earns an INVESTIGATE rating with HP Score 60/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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

60/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 2Bike 82

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +7.1% (HIGH), sold-comps -30.4%, £/sqft -30.5%] → 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 (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 200002478635· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.5%· as of 31 Oct 2026
Rental economics12.3/40
gross yield 6.7%; range width penalty ×0.90
- valuation_snapshotsrent estimate 3350/mo (range 3100-3600)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -199/mo, -6% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 107 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 12 Nov 2026
Risk & liquidity14.7/15
404 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

£450,000£690,000

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£600,000

At the asking price

Monthly rent£3,350/mo

Evidenced range £3,100-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: £294/mo
Cash on cash: 1.8%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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 200002478635Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.5%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 3350/mo (range 3100-3600)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 Nov 2026

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 3350/mo (range 3100-3600)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 107 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 →

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.
2 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£646,000

Rent Estimate (pcm)£3,350

Gross Yield6.70%

1y Growth-

3y Growth-0.8%

5y Growth+1.5%

10y Growth+3.1%

Last Sold Price£570,000 (2020-07-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

3NR3 1HG

Approval Rate

66.7%12mo

Development

low

26/01095/L
Internal alterations to provide three mortgage offices at ground-floor level. Removal and replacement of existing partitions. Installation of glazed partitions. New bulkhead and suspended ceiling. Flooring works.
Pending
26/01094/L
Internal alterations at lower ground floor, ground floor, and upper floors including to public facing spaces and workspaces; internal and external alterations to Clocktower; repairs, alterations, and replacement of windows, rooflights, handrails, railings, metal work, facades, roof coverings; external alterations to terrace; installation of plant at roof level; installation of external lighting; and installation of roof to north lightwell to internalise the space alongside alterations to introduce new floor slab, balconies, and doors; and other associated works.
Pending
26/01093/F
Internal alterations at lower ground floor, ground floor, and upper floors including to public facing spaces and workspaces; internal and external alterations to Clocktower; repairs, alterations, and replacement of windows, rooflights, handrails, railings, metal work, facades, roof coverings; external alterations to terrace; installation of plant at roof level; installation of external lighting; and installation of roof to north lightwell to internalise the space alongside alterations to introduce new floor slab, balconies, and doors; and other associated works.
Pending

View Planning Timeline