45 Mill Street, Hereford, HR1 2NX

UPRN:200002586672Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: E (54)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£244,000

£231k - £256kHigh

Estimate

£244k

Range

£231k – £256k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

5.22%

Verdict

Derived from HomePortfolio scores

45 Mill Street earns an INVESTIGATE rating with HP Score 68/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (88/100). 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

68/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

55/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 23Bike 76

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 +5.7% (HIGH), sold-comps -13.3%, £/sqft -13.2%] → 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 200002586672· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.4%· as of 12 Nov 2026
Rental economics1.6/40
gross yield 5.2%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -365/mo, -37% 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: 0 price cut(s), 39 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

£172,500£264,500

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£230,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: -£84/mo
Cash on cash: -1.4%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.29 - 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 200002586672Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.4%Valuation edge · as of 12 Nov 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 14 Nov 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 1000/mo (range 950-1100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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. 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.
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£244,000

Rent Estimate (pcm)£1,000

Gross Yield5.22%

1y Growth-

3y Growth-0.6%

5y Growth+1.8%

10y Growth+3.2%

Last Sold Price£145,000 (2014-10-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1HR1 2NX

Approval Rate

100%12mo

Development

low

P263305/K
Tree No 1 : Holly adjacent to car parking space 27, reduce canopy by approximately 1 ½ metres cutting back to prevent further encroachment. Tree No 2: Yew adjacent to parking space 26, reduce canopy on north side by approximately 2 ½ metres to prevent encroachment on car parking area. Tree No 3: Yew adjacent to parking space 22, reduce canopy on north side by approximately 2 ½ metres to prevent encroachment on car parking area.
Pending
P263227/L
Works to the St Owen's Chambers building, inclusive of the creation of one ground floor external window to the southwest elevation on EastStreet, and the renovation/reconfiguration of 2 internal rooms.
Pending
P263226/F
Works to the St Owen's Chambers building, inclusive of the creation of one ground floor external window to the southwest elevation on East Street, and the renovation/reconfiguration of 2 internal rooms.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-10-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,361

Population Density4,392 /km²

Owner Occupied47%

Age Distribution

0-15 18%16-64 66%65+ 16%

View Area Profile

Schools Nearby

St James' Church of England Primary School
0.2 mi
Inspected as St James' CofE Primary School (URN 116885) on 7 Jun 2023
Hereford Cathedral School With A Junior School
0.2 mi
Inspected by ISI
Herefordshire Pupil Referral Service
0.5 mi
Good
St Martin's Primary School
0.5 mi
Inspected as St Martin's Primary School (URN 116685) on 16 Jul 2019

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

15 Mill Street
-
£500k
-
17 Mill Street
-
£355k
-
35 Mill Street
-
£272k
-
7A Mill Street
-
£263k
-

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