28 Lloyd Road, Hove, BN3 6NL

UPRN:22041388Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (55)

Data freshness:Planning· 9mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£1,028,000

£977k - £1.08MHigh

Estimate

£1.03M

Range

£977k – £1.08M

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

4.50%

Verdict

Derived from HomePortfolio scores

28 Lloyd Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (58/100). 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)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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

58/ 100

Moderate

Transit & Bike

Transit 30Bike 64

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,000,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,300-£4,200

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£779/mo
Cash on cash: -2.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£1,028,000

Rent Estimate (pcm)£3,750

Gross Yield4.50%

1y Growth-

3y Growth-1.0%

5y Growth+1.4%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BN3 6NL

Approval Rate

-12mo

Development

low

BH2026/00406
T1 Ash to reduce away from buildings either side of tree by approx 3 metres. Cut back to appropriate growth points.
Pending
BH2026/00352
Conversion of a three-storey maisonette and lower ground-floor flat into a single dwelling house (C3). Erection of a single-storey side and rear extension.
Pending
BH2026/00361
yew - reduce by 3m Portuguese laurel - reduce by 3m yew - reduce by 2.5m holly - pollard/reduce by 3m bay - reduce by 3m reduce all growth 1m back from property behind REASON to reduce shading to residents flats
Pending

View Planning Timeline

Ownership

Corporate Ownership57.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,506

Population Density-

Owner Occupied82%

Age Distribution

0-15 19%16-64 59%65+ 22%

View Area Profile

Schools Nearby

Lancing College Preparatory School At Hove
0.2 mi
Inspected by ISI
Cottesmore St Mary's Catholic Primary School
0.2 mi
Good
Cardinal Newman Catholic School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
The Montessori Place
0.5 mi
Outstanding

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Lloyd Road
-
£1.32M
-
26 Lloyd Road
-
£1.80M
-
24 Lloyd Road
-
£1.20M
-
27 Lloyd Road
-
£1.25M
-

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