15 Leys Road, Loughton, Milton Keynes, MK5 8AZ

UPRN:25020076Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: C (70)

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

15 Leys Road, Loughton, Milton Keynes, MK5 8AZ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£841,000

£757k - £925kMedium

Estimate

£841k

Range

£757k – £925k

Rent Estimate (pcm)

£2,750

£2k - £3k

Monthly

£2,750

Yield

3.30%

Verdict

Derived from HomePortfolio scores

15 Leys Road earns an INVESTIGATE rating with HP Score 68/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (49/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

49/ 100

Mixed

Transit & Bike

Transit 18Bike 63

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 edge-0.6/15
claims [AVM -18.9% (MEDIUM), sold-comps -3.7%, £/sqft -3.8%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 25020076· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.5%· as of 18 Oct 2026
Rental economics0/40
gross yield 3.3%; range width penalty ×0.69
- valuation_snapshotsrent estimate 2750/mo (range 2400-3100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,328/mo, -85% 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), 54 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 & liquidity12.8/15
129 sales/12mo in area; valuation range width 20%
- 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

£750,000£1,150,000

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£1,000,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,400-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£1,471/mo
Cash on cash: -5.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.81 - 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 25020076Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.5%Valuation edge · as of 18 Oct 2026
valuation_snapshotsrent estimate 2750/mo (range 2400-3100)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 2750/mo (range 2400-3100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 54 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£841,000

Rent Estimate (pcm)£2,750

Gross Yield3.30%

1y Growth+300.0%

3y Growth+3.3%

5y Growth+3.3%

10y Growth+4.5%

Last Sold Price£702,000 (2022-10-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0MK5 8AZ

Approval Rate

-12mo

Development

low

PLN/2026/2130
Erection of a single storey side extension
Pending
PLN/2026/2091
Erection of 2 storey front and side extension to main dwelling attaching to existing detached double garage, including balcony with glass balustrade to front and alteration of garage roof, and conversion of the garage into living accommodation
Pending
PLN/2026/1954
Variation of condition(s) 1 (Approved Plans), 9 (Plant Noise Assessment), 12 (Ecological Mitigation) 13 (HMMP) & 16 (Energy and Climate Statement) seeking to vary the condition wording of (relating to permission ref. PLN/2025/0193 for the refurbishment of the existing office building (Use Class E), including demolition of the existing deeds store; formation of a central atrium; provision of flexible commercial/retail/food and drink units (Class E) and flexible office and/or conference/events space (Class E and/or F); external alterations and public realm works; an outdoor car park; and other associated works)
Pending

View Planning Timeline

Ownership

Corporate Ownership71.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-10-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,061

Population Density993 /km²

Owner Occupied49%

Age Distribution

0-15 21%16-64 66%65+ 13%

View Area Profile

Schools Nearby

Loughton School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Redwood Park School
0.3 mi
-
Loughton Manor First School
0.4 mi
Good
Denbigh School
0.6 mi
Inspected as Denbigh School (URN 110498) on 14 May 2009

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Leys Road
-
£1.40M
-
23 Leys Road
-
£350k
-
17 Leys Road
-
£450k
-
15 Leys Road
-
£702k
-

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