5 Ernest Seaman Close, Scole, Diss, IP21 4EX

UPRN:2630180398Terrace Property3 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band CEPC: C (77)

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

5 Ernest Seaman Close, Scole, Diss, IP21 4EX

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£318,000

£302k - £334kHigh

Estimate

£318k

Range

£302k – £334k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

4.43%

Verdict

Derived from HomePortfolio scores

5 Ernest Seaman Close earns an INVESTIGATE rating with HP Score 67/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (10/100). 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

58/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

10/ 100

Low

Transit & Bike

Transit 27Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 -2.2% (HIGH), sold-comps -20.4%, £/sqft -20.5%] → 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 2630180398· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.8%· as of 3 Nov 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.78
- valuation_snapshotsrent estimate 1200/mo (range 1100-1350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -619/mo, -52% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 96 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 10 Nov 2026
Risk & liquidity14.6/15
116 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

£244,000£374,000

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£325,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: -£266/mo
Cash on cash: -3.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.09 - 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 2630180398Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.8%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1100-1350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 1200/mo (range 1100-1350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 96 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£318,000

Rent Estimate (pcm)£1,200

Gross Yield4.43%

1y Growth-

3y Growth-2.5%

5y Growth+0.1%

10y Growth+1.6%

Last Sold Price£282,500 (2022-07-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0IP21 4EX

Approval Rate

-12mo

Development

low

2026/2679
Removal of condition 12 restricting separate ownership of the site of application 2023/2486 (which consented to Variation of condition 2 of 2019/0144 - Raise ridge level of roof to allow loft conversion) Date of Decision: 18/10/2023
Pending
2026/2620
1 No. Black locust - remove saplings from felled trunk
Conditions
2026/2516
Alterations and extensions to existing building to provide improved facilities for changing rooms, function room, kitchen facilities and disabled WC.
Pending

View Planning Timeline

Ownership

Corporate Ownership82.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-07-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,934

Population Density599 /km²

Owner Occupied72%

Age Distribution

0-15 13%16-64 57%65+ 30%

View Area Profile

Schools Nearby

Scole Church of England Primary Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Diss Infant Academy and Nursery
1.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Diss High School
1.9 mi
Good
Diss Church of England Junior Academy
1.9 mi
Good

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

View All Schools

Comparables

View All

7 Ernest Seaman Close
-
£292k
-
5 Ernest Seaman Close
-
£283k
-
8 Ernest Seaman Close
-
£375k
-
1 Ernest Seaman Close
-
£260k
-

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