7 Fairfield Street, Lincoln, LN2 5NE

UPRN:235035148Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (57)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£152,000

£145k - £160kHigh

Estimate

£152k

Range

£145k – £160k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

5.33%

Verdict

Derived from HomePortfolio scores

7 Fairfield Street earns an INVESTIGATE rating with HP Score 52/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (60/100). 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)HM Land Registry sales matched to addressDefra 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

52/ 100

Mixed

Investment Score

54/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

60/ 100

Moderate

Transit & Bike

Transit 23Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge1.6/15
claims [AVM +11.2% (HIGH), sold-comps +2.2%, £/sqft +1.9%] → measured edge +0.32pp 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 12 Oct 2026
- valuation_snapshotsestimate for 235035148· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 12.7%· as of 1 Nov 2026
Rental economics2.3/40
gross yield 5.3%; range width penalty ×0.87
- valuation_snapshotsrent estimate 600/mo (range 550-650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -259/mo, -43% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 26 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 2 Nov 2026
Risk & liquidity14.7/15
460 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

£101,000£155,000

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£135,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £42,000
Net cash flow: -£40/mo
Cash on cash: -1.1%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 235035148Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 12.7%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 600/mo (range 550-650)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 600/mo (range 550-650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 26 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. 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.

Valuation & Market

Sale Estimate£152,000

Rent Estimate (pcm)£600

Gross Yield5.33%

1y Growth-

3y Growth+3.0%

5y Growth+0.9%

10y Growth+4.1%

Last Sold Price£76,000 (2004-01-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LN2 5NE

Approval Rate

-12mo

Development

low

2026/0656/TPO
T1 - Sycamore: Radial reduction of 7m from tips. T2 - Sycamore: Reduce in height from 15m to attain a height of 10m. Crown lift up to 5m. Reduce on roadside and pitch side by 3m each. T3 - T16 - Sycamore: Pollard at 10m.
Pending
2026/0628/TCO
T1 (Lime) - Undertake a radial canopy reduction of a maximum of 1 metre to clear overhead cables and highway. Crown lift to 5m to clear neighbouring roof. T2 & T3 (Walnut) - Reduce phototrophic growth to balance canopy, crown lift to a maximum of 5 metres to clear neighbouring buildings and highway. T4 - (Beech) Crown lift to 5m. T5 - (Pine) Remove to ground level. T6 - (Pine) Remove to ground level.
Pending
2026/0630/HOU
Replacement of front and rear UPVC doors with new UPVC/Composite doors.
Pending

View Planning Timeline

Ownership

Corporate Ownership63%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-01-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,824

Population Density2,490 /km²

Owner Occupied57%

Age Distribution

0-15 12%16-64 78%65+ 10%

View Area Profile

Schools Nearby

Lincoln Monks Abbey Primary School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Lincoln Minster School
0.4 mi
Inspected by ISI
Lincoln College
0.4 mi
-
The Lincoln St Peter-In-Eastgate Church of England Infants Academy
0.5 mi
Inspected as The Lincoln St Peter-in-Eastgate Church of England (Controlled) Infants School (URN 120560) on 1 Jul 2025

2 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

43 Fairfield Street
-
£158k
-
15 Fairfield Street
-
£110k
-
37 Fairfield Street
-
£118k
-
12 Fairfield Street
-
£150k
-

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