UPRN:22053170Flat/Maisonette2 bedsBuilt before 1900
LeaseholdCouncil Tax: Band AEPC: E (46)
Data freshness:●Listing· freshListing: fresh, refreshed yesterday (2026-11-03T04:00:05.311355+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 3d ago (2026-11-01T12:49:55.696279+00:00)●Planning· 8mo agoPlanning: stale, refreshed 8mo ago (2026-02-27)●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)●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●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
79
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£343,000
£326k - £360kHigh
Estimate
£343k
Range
£326k – £360k
Rent Estimate (pcm)
£1,400
£1k - £2k
Monthly
£1,400
Yield
7.47%
Verdict
Derived from HomePortfolio scores
45A earns an INVESTIGATE rating with HP Score 79/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (91/100). 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.
Prior approval for change of use at ground floor from commercial, business and service (E) to form 1no one bedroom flat (C3).
Pending
BH2026/00370
T1 Sycamore- remove 3 epicormic stems at the base of the tree (approx diameter 10 cms each) Reduce central top height of the tree by 2 meters and reshape the crown all around. Reasons- the tree has not been worked on for some time and it is cutting out light at the back of the property and for other properties in the vicinity. It is a very tall tree for the confined space that it is in.
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
35
Low confidence1 independent sourceLead to verifyListing checked 3 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 34% 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 edge2.5/15
claims [AVM +34.4% (HIGH), sold-comps +17.6%, £/sqft +17.5%] → measured edge +0.50pp 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 Oct 2026
valuation_snapshotsestimate for 22053170· as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13%· as of 18 Oct 2026
Rental economics18/40
gross yield 7.5%; range width penalty ×0.91; the estimate this rent rides on sits 34% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1400/mo (range 1300-1500)· as of 10 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 34% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -50/mo, -4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 46 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 3 Nov 2026
Risk & liquidity14.7/15
801 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
£174,500£258,500
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
£225,000
At the asking price
£1,400/mo
Evidenced range £1,300-£1,500
5.4%
75%
Cash required
£70,800
Net cash flow
£210/mo
Cash on cash
3.6%
Score at this price
35
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.84 - 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 22053170Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13%Valuation edge · as of 18 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1300-1500)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 34% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 1400/mo (range 1300-1500)
Rental economics needs verification before you rely on it
sale estimate 34% above the ask on the same snapshot - verify the rent describes this home
Plan
Before you offer
1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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.
Stress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026