26 Harwich Close, Lincoln, LN5 9UG

UPRN:235013231Semi-Detached House3 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band BEPC: C (74)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£219,000

£208k - £230kHigh

Estimate

£219k

Range

£208k – £230k

Rent Estimate (pcm)

£850

£800 - £950

Monthly

£850

Yield

4.64%

Verdict

Derived from HomePortfolio scores

26 Harwich Close earns an INVESTIGATE rating with HP Score 75/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (50/100). 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

50/ 100

Moderate

Transit & Bike

Transit 17Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.5% (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 235013231· as of 9 Oct 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.85
- valuation_snapshotsrent estimate 850/mo (range 800-950)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -433/mo, -51% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 171 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 4 Nov 2026
Risk & liquidity14.6/15
423 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

£165,000£253,000

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£220,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: -£154/mo
Cash on cash: -2.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - 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 235013231Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-950)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 850/mo (range 800-950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 171 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. 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£219,000

Rent Estimate (pcm)£850

Gross Yield4.64%

1y Growth-

3y Growth-0.3%

5y Growth-0.5%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LN5 9UG

Approval Rate

-12mo

Development

low

2026/0620/HOU
Erection of a single storey rear extension.
Pending
26/1158/DISCON
Application to discharge condition 3 (boundary treatment (JV_175_12 A)), condition 5 (energy verification), condition 7 (construction management plan (CMP) & method statement), Condition 8 (BNG plan), condition 9 (bat emergence survey (2026)), condition 10 (ecological mitigation and enhancement plan), condition 11 (habitat management and monitoring plan), condition 13 (landscape plans (577-79_FP_PP01 C, 577-79_FP_PP02 A, 577-79_FP_PP03 C)), condition 14 (FPCR arboricultural method statement), condition 17 (proposed play area POS Plan (JV_175_11)), condition 19 (written scheme of investigation - archaeological evaluation trenching), condition 23 (proposed road phasing plan (JV_175_10)), condition 27 (contamination/verification) attached to planning permission 24/1475/FUL - Demolition of 352 Brant Road and construction of 51no. affordable residential dwellings.
Pending
26/1161/PNMAT
Application for a non material amendment (Change proposal through an addendum to the energy statement, changing roof tiles and amend condition 22) following grant of planning permission 24/1475/FUL - Demolition of 352 Brant Road and construction of 51no. affordable residential dwellings
Approved

View Planning Timeline