Charnwood, 40 Main Street, Upton, Newark, NG23 5TE

UPRN:200004247406Semi-Detached House2 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: D (67)

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

Charnwood, 40 Main Street, Upton, Newark, NG23 5TE

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£302,000

£287k - £317kHigh

Estimate

£302k

Range

£287k – £317k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

5.00%

Verdict

Derived from HomePortfolio scores

Charnwood earns an INVESTIGATE rating with HP Score 56/100. Investment score 45/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (13/100). 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

56/ 100

Mixed

Investment Score

45/ 100

Mixed

Crime Score

8/ 100

Low

Walkability

13/ 100

Low

Transit & Bike

Transit 7Bike 21

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 [AVM +0.7% (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 10 Nov 2026
- valuation_snapshotsestimate for 200004247406· as of 10 Nov 2026
Rental economics0/40
gross yield 5.0%; range width penalty ×0.80
- valuation_snapshotsrent estimate 1250/mo (range 1100-1350)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -477/mo, -38% 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), 355 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 & liquidity14.7/15
199 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

£225,000£345,000

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£300,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,100-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: -£147/mo
Cash on cash: -1.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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 200004247406Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1250/mo (range 1100-1350)Rental economics · as of 10 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 1250/mo (range 1100-1350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 355 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£302,000

Rent Estimate (pcm)£1,250

Gross Yield5.00%

1y Growth-

3y Growth-1.5%

5y Growth+0.6%

10y Growth+3.0%

Last Sold Price£72,000 (2001-03-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1NG23 5TE

Approval Rate

100%12mo

Development

low

26/01708/TWCA
T1 - Prunus Kanzan - Remove deadwood complete. Reduce crown by approx 2-3 metres all-round/formative prune T2 - Malus - Reduce height by approx 1-2m and 0.5 metres all-round. Remove deadwood complete T3 -Malus - Crown reduction approx - 1 metre all-round/up to 2.0 metres roadside T4 - Malus - Reduce height by approx 2.5-3 metres to mark on photo (09 T4 marked). Prune approx 1.0 metre roadside/prune away footpath. Remove deadwood complete T5 - Malus - Reduce crown by approx 1-1.5 metres all-round. Remove deadwood complete T6 - Malus - Reduce height by approx 2 metres. Reduce remaining crown by 0.5-1 metre. Remove deadwood and branches marked on attached (photo 10 T6 marked) T7 - Malus - Reduce height by approx 2-2.5 metres to growth points marked on attached photo. Reduce remaining crown by approx 0.5-1 metre. Remove deadwood complete. Remove epicormic growth around lower stem
Pending
26/01659/TWCA
Undertake works to 3 individual trees as detailed in the Tree Risk Management Report dated 25th August 2026.
Pending
26/01595/LBC
Minor alterations to dwelling and conversion of portion of ancillary stable block to home office.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2001-03-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,806

Population Density-

Owner Occupied79%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Lowe's Wong Infant School
2.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Lowe's Wong Anglican Methodist Junior School
2.1 mi
Inspected as Lowe's Wong Anglican Methodist Junior School (URN 122769) on 20 Nov 2019
The Minster School
2.2 mi
Good
Holy Trinity CofE Infant School
2.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Solway Cottage, 36 Main Street
-
£375k
-
Millview Cottage, 66 Main Street
-
£740k
-
The Haybarn, 50 Main Street
-
£721k
-
Greenacres, 34 Main Street
-
£860k
-

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