Data freshness:●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T12:06:36.118061+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:26:16.613787+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
79
/ 100
Strong
Verdict
2 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£432,000
£410k - £454kHigh
Estimate
£432k
Range
£410k – £454k
Rent Estimate (pcm)
£2,100
£2k - £2k
Monthly
£2,100
Yield
7.75%
Verdict
Derived from HomePortfolio scores
Flat 79 earns an INVESTIGATE rating with HP Score 79/100. Investment score 85/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (90/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
Demolition of rear family room and kitchen, side storage and garage and first-floor rear store and shower room and erection of part single, part two-storey side-to-rear extension, hip-to-gable and rear dormer roof extensions, installation of 4x front rooflights and alteration to rear landscaping to dwellinghouse
Pending
26/2755
Certificate of lawfulness for proposed rear dormer extension with Juliet balcony, hip to gable roof extension and 3x front rooflights to dwellinghouse.
Pending
26/2727
Demolition of existing adjoining garage and rear elevation, erection of single storey side to rear extension, first floor side and rear extension, insertion of 1x window to side elevation and replacement of 1x window to rear elevation to dwellinghouse.
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
Opportunity
Why this could be an opportunity
37
Low confidence0 independent sourcesLead to verifyListing checked 7 Nov 2026
This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.
Check before relying on this score: the estimate sits 25% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +24.8% (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 9 Oct 2026
valuation_snapshotsestimate for 202204399· as of 9 Oct 2026
Rental economics20.1/40
gross yield 7.8%; range width penalty ×0.91; the estimate this rent rides on sits 25% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2100/mo (range 1950-2250)· as of 9 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 25% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin2/30
stressed cash flow +42/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 7 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 93 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 7 Nov 2026
Risk & liquidity14.6/15
256 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 sensitivityScores 70+ up to £244,000
£244,000£374,000
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
£325,000
At the asking price
£2,100/mo
Evidenced range £1,950-£2,250
5.4%
75%
Cash required
£105,050
Net cash flow
£357/mo
Cash on cash
4.1%
Score at this price
37
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.91 - 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 202204399Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2100/mo (range 1950-2250)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 25% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026 · verify before relying on this