Thornbury House, 38 High Street, Chard, TA20 1QB

UPRN:30082915Mid Terrace House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: E (51)

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

Thornbury House, 38 High Street, Chard, TA20 1QB

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£377,000

£301k - £452kLow

Estimate

£377k

Range

£301k – £452k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

5.32%

Verdict

Derived from HomePortfolio scores

Thornbury House earns an INVESTIGATE rating with HP Score 66/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is moderate. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

58/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 11Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics2.3/40
gross yield 5.3%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1750/mo (range 1600-1850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -510/mo, -29% 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 7 Nov 2026
Risk & liquidity9.2/15
223 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£395,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,600-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £129,550
Net cash flow: -£122/mo
Cash on cash: -1.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - clears 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_snapshotsrent estimate 1750/mo (range 1600-1850)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1750/mo (range 1600-1850)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£377,000

Rent Estimate (pcm)£1,750

Gross Yield5.32%

1y Growth-

3y Growth-4.3%

5y Growth+0.0%

10y Growth+3.5%

Last Sold Price£240,000 (2004-02-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1TA20 1QB

Approval Rate

100%12mo

Development

low

26/02579/TCA
Notification of intent to fell No. 8 Eucalyptus Tree's within a Conservation Area.
Pending
26/02428/LBC
Change of Use of Ground Floor from Retail to Domestic and New windows and doors to side and rear elevations (part implemented).
Pending
26/02427/FUL
Change of Use of Ground Floor from Retail to Domestic and New windows and doors to side and rear elevations (part retrospective).
Pending

View Planning Timeline