Data freshness:●Listing· freshListing: fresh, refreshed today (2026-11-05T04:00:06.311246+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T12:46:27.467600+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:28:37.112404+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· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
72
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
18 of 21 sources
Sale Estimate
£655,000
£590k - £721kMedium
Estimate
£655k
Range
£590k – £721k
Rent Estimate (pcm)
£2,900
£3k - £3k
Monthly
£2,900
Yield
9.28%
Verdict
Derived from HomePortfolio scores
First/Second Floor Flat earns an INVESTIGATE rating with HP Score 72/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (81/100). 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.
Retrospective application for the incorporation of a former publicly accessible communal washroom into a kitchen within Flat 66 Phipps House at first floor level.
Pending
P/2026/02657/FUL
Erection of a single storey modular building to be used as a Clinical Trials Unit (CTU), within the existing car parking area.
Pending
P/2026/02598/DET
Details to discharge Condition 95 (dynamic Overheating Analysis) relating to Development Zone 3 ('DZ3') of planning planning permission 2025/02724/VAR dated 9 September 2026.
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
57
Low confidence0 independent sourcesLead to verifyListing checked 5 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 43% 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 +42.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
valuation_snapshotsestimate for 217006238· as of 13 Oct 2026
Rental economics29.3/40
gross yield 9.3%; range width penalty ×0.86; the estimate this rent rides on sits 43% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2900/mo (range 2650-3150)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 43% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin14.5/30
stressed cash flow +419/mo, +14% 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 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 76 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 5 Nov 2026
Risk & liquidity12.8/15
129 sales/12mo in area; valuation range width 20%
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
£328,000£431,000
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
£375,000
At the asking price
£2,900/mo
Evidenced range £2,650-£3,150
5.4%
75%
Cash required
£122,550
Net cash flow
£742/mo
Cash on cash
7.3%
Score at this price
57
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.29 - 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 217006238Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2900/mo (range 2650-3150)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 43% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this