40 Swan Lane, Long Stratton, Norwich, NR15 2XN

UPRN:2630129957Mid Terrace House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band AEPC: E (52)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

40 Swan Lane, Long Stratton, Norwich, NR15 2XN

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£174,000

£165k - £183kHigh

Estimate

£174k

Range

£165k – £183k

Rent Estimate (pcm)

£700

£600 - £750

Monthly

£700

Yield

4.94%

Verdict

Derived from HomePortfolio scores

40 Swan Lane earns an INVESTIGATE rating with HP Score 73/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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

73/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 22Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 5 Nov 2026

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

Valuation edge2.5/15
claims [AVM +2.3% (HIGH), sold-comps +6.6%, £/sqft +6.6%] → measured edge +0.50pp 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 13 Oct 2026
- valuation_snapshotsestimate for 2630129957· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.4%· as of 23 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.77
- valuation_snapshotsrent estimate 700/mo (range 600-750)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -333/mo, -48% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 3 price cut(s), 200 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 5 Nov 2026
Risk & liquidity14.6/15
168 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

£127,500£195,500

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£170,000

At the asking price

Monthly rent£700/mo

Evidenced range £600-£750

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: -£89/mo
Cash on cash: -2.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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 2630129957Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.4%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 600-750)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 700/mo (range 600-750)
Seller motivation could not be scored
context, not scored: 3 price cut(s), 200 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. Ask the agent why the price was reduced and whether a previous sale fell through.
3 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£174,000

Rent Estimate (pcm)£700

Gross Yield4.94%

1y Growth+6.5%

3y Growth-1.8%

5y Growth-0.3%

10y Growth+2.7%

Last Sold Price£170,000 (2023-09-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0NR15 2XN

Approval Rate

-12mo

Development

low

2026/3140
Proposed new self build dwelling and garage
Pending
2026/3026
G1 - Group of 4 x Ash trees - Fell
Pending
2026/2758
(T1) & (T2) Poplar Fell down to stump level, due to being severely in decline and showing minimal signs of life
Conditions

View Planning Timeline

Ownership

Corporate Ownership79.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-09-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,934

Population Density222 /km²

Owner Occupied60%

Age Distribution

0-15 20%16-64 62%65+ 18%

View Area Profile

Schools Nearby

Long Stratton High School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Mary's Church of England Junior Academy
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Manor Field Infant and Nursery School
0.3 mi
Inspected as Manor Field Infant and Nursery School (URN 120919) on 22 Nov 2016
Forncett St Peter Church of England Voluntary Aided Primary School
1.9 mi
Good

1 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Swan Lane
-
£282k
-
2A Swan Lane
-
£187k
-
24 Swan Lane
-
£150k
-
23 Swan Lane
-
£290k
-

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