20 Church Road, Hereford, HR1 1RP

UPRN:200002583201Semi-Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: E (49)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£391,000

£371k - £410kHigh

Estimate

£391k

Range

£371k – £410k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

3.85%

Verdict

Derived from HomePortfolio scores

20 Church Road earns an INVESTIGATE rating with HP Score 77/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (63/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

63/ 100

Moderate

Transit & Bike

Transit 27Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 9 Nov 2026

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

Valuation edge2.5/15
claims [AVM +0.3% (HIGH), sold-comps +15.9%, £/sqft +16.0%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 200002583201· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.3%· as of 5 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.72
- valuation_snapshotsrent estimate 1250/mo (range 1100-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -857/mo, -69% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 530 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 9 Nov 2026
Risk & liquidity14.6/15
357 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

£292,500£448,500

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£390,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,100-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £127,800
Net cash flow: -£451/mo
Cash on cash: -4.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.95 - 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 200002583201Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.3%Valuation edge · as of 5 Nov 2026
valuation_snapshotsrent estimate 1250/mo (range 1100-1400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 1250/mo (range 1100-1400)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 530 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.
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£391,000

Rent Estimate (pcm)£1,250

Gross Yield3.85%

1y Growth-

3y Growth-0.6%

5y Growth+1.8%

10y Growth+3.2%

Last Sold Price£272,500 (2008-06-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1HR1 1RP

Approval Rate

-12mo

Development

low

P263170/J
027453 - Douglas fir (and neighbouring fir). After routine inspection by an arborist, to complete whatever maintenance is suggested up to a maximum of 2m off the top off the tree and removal of any dead branches. 027275 - Cypres hedging - Single hedge currently protruding the fence line, to trim trunk to 1ft below line of fence/other hedgingto allow this hedge to come into line of others
Pending
P263147/J
Requested work is to totally remove the tree, then plant a native treeapproximately 10m from the house along the same boundary wall.
Pending
P263107/FH
First floor extension to side elevation, porch, bay windows and wintergarden room to rear elevation. Addition 2 new windows to ground floor west elevation.
Pending

View Planning Timeline