8 North Terrace, Cambridge, CB5 8DJ

UPRN:200004168362Detached HouseBeds -Built 1900-1929

Tenure: -Council Tax: Band GEPC: E (53)

Data freshness:Listing· freshPlanning· 2mo 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

17 of 21 sources

Sale Estimate

£1,137,000

£910k - £1.36MLow

Estimate

£1.14M

Range

£910k – £1.36M

Rent Estimate (pcm)

£4,500

£4k - £5k

Monthly

£4,500

Yield

4.15%

Verdict

Derived from HomePortfolio scores

8 North Terrace earns an INVESTIGATE rating with HP Score 58/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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

58/ 100

Mixed

Investment Score

52/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 52Bike 97

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 Nov 2026

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

Valuation edge0/15
claims [sold-comps -33.3%, £/sqft -33.3%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.3%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.78
- valuation_snapshotsrent estimate 4500/mo (range 4000-4950)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,307/mo, -51% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 37 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 10 Nov 2026
Risk & liquidity9.3/15
68 sales/12mo in area; valuation range width 40%
- 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

£975,000£1,495,000

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£1,300,000

At the asking price

Monthly rent£4,500/mo

Evidenced range £4,000-£4,950

Interest rate5.4%

Loan to value75%

Cash required: £465,050
Net cash flow: -£1,272/mo
Cash on cash: -3.3%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.03 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 4500/mo (range 4000-4950)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 4500/mo (range 4000-4950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 37 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. 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£1,137,000

Rent Estimate (pcm)£4,500

Gross Yield4.15%

1y Growth-

3y Growth-11.5%

5y Growth-0.4%

10y Growth+1.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CB5 8DJ

Approval Rate

100%12mo

Development

low

26/04133/HFUL
Installation of 2no. air conditioning units, 1no. to the house and 1no. to the coach house.
Pending
25/04384/CONDA
Submission of details required by conditions 3(Demolition and Construction Management Plan) and 4(Traffic Management & Logistics Plan) of planning permission 25/04384/FUL.
Pending
25/04386/CONDB
Submission of details required by conditions 3 (Traffic Management Plan) and 4 (Demolition and Construction Management Plan) of planning permission 25/04386/FUL.
Pending

View Planning Timeline

Ownership

Corporate Ownership62.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£38,711

Population Density-

Owner Occupied41%

Age Distribution

0-15 10%16-64 77%65+ 13%

View Area Profile

Schools Nearby

Parkside Community College
0.4 mi
Outstanding
Park Street CofE Primary School
0.4 mi
Good
St Matthew's Primary School
0.4 mi
Good
Brunswick Nursery School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

15 North Terrace
-
£950k
-
4 North Terrace
-
£1.30M
-
14 North Terrace
-
£825k
-
11 North Terrace
-
£765k
-

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