20 Harding Drive, Banwell, BS29 6AP

UPRN:24150148Detached HouseBeds -Built -

FreeholdCouncil Tax: Band EEPC: B (85)

Data freshness:Price Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£397,000

£377k - £417kHigh

Estimate

£397k

Range

£377k – £417k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

8.40%

Verdict

Derived from HomePortfolio scores

20 Harding Drive earns an INVESTIGATE rating with HP Score 62/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (19/100). 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

62/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

19/ 100

Low

Transit & Bike

Transit 7Bike 36

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

5 live new-build plots advertised against one placeholder UPRN (£200,000-£450,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£200,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,250-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £294/mo
Cash on cash: 5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - clears 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£397,000

Rent Estimate (pcm)£1,400

Gross Yield8.40%

1y Growth-

3y Growth+2.2%

5y Growth+3.6%

10y Growth+4.5%

Last Sold Price£310,000 (2020-08-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BS29 6AP

Approval Rate

100%12mo

Development

low

26/P/1635/LDP
Certification of Lawful Development for the conversion of existing loft, including structural alterations and roof windows.
Approved
26/P/1292/LDP
Certificate of lawful development for the proposed erection of a conservatory to the rear elevation.
Approved
26/P/1237/TPO
T1, Oak: remove to ground level, grind and remove stump G2, Ash: up-to 8 trees, remove all to ground level, grind and remove stumps
Approved

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-08-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,996

Population Density-

Owner Occupied88%

Age Distribution

0-15 12%16-64 53%65+ 35%

View Area Profile

Schools Nearby

Baytree School
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Herons' Moor Academy
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Parklands Educate Together Primary
0.8 mi
Good
Locking Primary School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Harding Drive
-
£405k
-
18 Harding Drive
-
£295k
-
20 Harding Drive
-
£310k
-
16 Harding Drive
-
£245k
-

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