Flat 20, Trelawny House, Surrey Street, Bristol, BS2 8PS

UPRN:369982Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: D (65)

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

Flat 20, Trelawny House, Surrey Street, Bristol, BS2 8PS

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

£292,000

£277k - £306kHigh

Estimate

£292k

Range

£277k – £306k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

10.70%

Verdict

Derived from HomePortfolio scores

Flat 20 earns an INVESTIGATE rating with HP Score 61/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

61/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 92Bike 73

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 Nov 2026

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

Check before relying on this score: the estimate sits 37% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +36.6% (HIGH), sold-comps +33.9%, £/sqft +33.9%] → 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 369982· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.8%· as of 1 Nov 2026
Rental economics38.3/40
gross yield 10.7%; range width penalty ×0.96; the estimate this rent rides on sits 37% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1650/mo (range 1550-1750)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin18.3/30
stressed cash flow +302/mo, +18% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 188 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 & liquidity14.7/15
166 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 sensitivityScores 80+ up to £162,000

£148,000£212,500

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£185,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £58,000
Net cash flow: £518/mo
Cash on cash: 10.7%
Score at this price: 74

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.64 - 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_snapshotsestimate for 369982Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1750)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 1650/mo (range 1550-1750)
Rental economics needs verification before you rely on it
sale estimate 37% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Set your walk-away price before viewing - above £162,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£292,000

Rent Estimate (pcm)£1,650

Gross Yield10.70%

1y Growth-17.2%

3y Growth+4.7%

5y Growth+1.1%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BS2 8PS

Approval Rate

-12mo

Development

low

26/13690/COU
Application to determine if prior approval is required for a proposed: Change of use from Commercial, Business and Service (Use Class E) to Dwellinghouses (Use Class C3) Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended) - Schedule 2, Part 3, Class MA
Pending
26/13662/F
Demolition of commercial building and construction of two storey 3 bedroom dwelling
Pending
26/13599/COND
Application for approval of details reserved by condition nos. 2 (Implementation of Programme of Building Recording), 3 (Ensurance of Timely Demolition), 4 (Ensurance of Proceedable Development) and 22 (Business Continuity During Construction Phase) of permission 25/12820/X - Application for variation or removal of Condition No 46 (List of approved plans) following grant of planning permission 23/00879/F (as amended by 24/04441/NMA) - Demolition of existing building and redevelopment for mixed uses (sui generis) to include a music hub (incorporating multi-functional floorspace for retailing, teaching, practice, performances and events) and purpose-built student accommodation (approx. 175 studios), with associated amenity/social spaces, cycle parking and supporting infrastructure. The total number of studios as set out in the DoD was amended from 175 to 126 to reflect the approved plans and confirmed under the NMA, and is now amended to 135 studios.
Pending

View Planning Timeline