45 Farm Road, Street, BA16 0BL

UPRN:250004074Semi-Detached House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo 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

18 of 21 sources

Sale Estimate

£229,000

£217k - £240kHigh

Estimate

£229k

Range

£217k – £240k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

4.17%

Verdict

Derived from HomePortfolio scores

45 Farm Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (85/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

61/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 17Bike 48

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -0.4% (HIGH), sold-comps -10.6%, £/sqft -10.7%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 250004074· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.6%· as of 22 Oct 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 700-850)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -512/mo, -64% 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), 100 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 & liquidity14.6/15
128 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

£172,500£264,500

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

Purchase price£230,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: -£222/mo
Cash on cash: -3.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.03 - 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 250004074Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.6%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 700-850)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 800/mo (range 700-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 100 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£229,000

Rent Estimate (pcm)£800

Gross Yield4.17%

1y Growth-

3y Growth-2.1%

5y Growth+1.0%

10y Growth+2.8%

Last Sold Price£220,000 (2022-04-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BA16 0BL

Approval Rate

-12mo

Development

low

2026/2067/APP
Approval of details reserved by conditions 3 (Construction Environmental Method Statement/Management Plan), 5 (Archaeology Written Scheme of Investigation), 6 (Surface Water Drainage), 7 (Responsibility and Maintenance of Surface Water Drainage) and 12 (Hard and Soft landcaping) from planning permission 2025/2302/FUL (Demolition and replacement of Block A (Use Class F1a); erection of temporary buildings (Use Class F1a); demolition of portacabin and installation of plant and transformer together with landscaping and associated works for Strode College. Part demolition of existing building and erection of catering kitchen and refectory (Use Class F1a) for Crispin School).
Pending
2026/2021/HSE
Single storey rear infill extension & erection of ancillary garden shed
Pending
2026/2022/LBC
Single storey rear infill extension, internal alterations, installation of an external air conditioning unit to rear, new front gate, erection of bin store & ancillary garden shed to rear.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-04-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,908

Population Density-

Owner Occupied60%

Age Distribution

0-15 20%16-64 65%65+ 15%

View Area Profile

Schools Nearby

Crispin School Academy
0.5 mi
Good
Hindhayes Infant School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Elmhurst Junior School
0.6 mi
Inspected as Elmhurst Junior School (URN 123663) on 14 Nov 2023
Millfield School
0.8 mi
Inspected by ISI

1 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

45 Farm Road
-
£220k
-
41 Farm Road
-
£6k
-
45 Farm Road
-
£40k
-
43 Farm Road
-
£51k
-

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