89 Oak Road, Bristol, BS7 8RZ

UPRN:38096Mid Terrace House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: C (76)

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

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£463,000

£440k - £486kHigh

Estimate

£463k

Range

£440k – £486k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

8.05%

Verdict

Derived from HomePortfolio scores

89 Oak Road earns an INVESTIGATE rating with HP Score 81/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (95/100). 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

81/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

95/ 100

Excellent

Transit & Bike

Transit 28Bike 80

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +8.2% (HIGH), sold-comps -5.7%, £/sqft -5.7%] → 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 10 Oct 2026
- valuation_snapshotsestimate for 38096· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.4%· as of 29 Oct 2026
Rental economics24.1/40
gross yield 8.0%; range width penalty ×0.99
- valuation_snapshotsrent estimate 2850/mo (range 2700-3000)· as of 10 Oct 2026· verify before relying on this
Stress margin6/30
stressed cash flow +172/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 29 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 4 Nov 2026
Risk & liquidity14.7/15
446 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 70+ up to £350,500

£319,000£488,500

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£425,000

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,700-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: £539/mo
Cash on cash: 4.6%
Score at this price: 45

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.99 - 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 38096Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.4%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 2850/mo (range 2700-3000)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 2850/mo (range 2700-3000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 29 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. Set your walk-away price before viewing - above £350,500 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£463,000

Rent Estimate (pcm)£2,850

Gross Yield8.05%

1y Growth-

3y Growth+2.7%

5y Growth+2.5%

10y Growth+3.7%

Last Sold Price£70,000 (1999-07-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BS7 8RZ

Approval Rate

-12mo

Development

low

26/13577/H
Retrospective application for a single-storey rear extension and front entrance porch as constructed, together with proposed new boundary walls.
Pending
26/13482/HX
Notification of Prior Approval for the erection of a single storey rear extension that would exceed beyond the rear wall of the original house by 4 metres, have a maximum height of 3.25 meters and have eaves that are 2.5 metres high.
Approved
26/13492/CP
Application for a Lawful Development Certificate for a Proposed loft conversion.
Approved

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining851 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1999-07-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,051

Population Density9,689 /km²

Owner Occupied60%

Age Distribution

0-15 15%16-64 77%65+ 8%

View Area Profile

Schools Nearby

Ashley Down Primary School
0.2 mi
-
Bishop Road Primary School
0.4 mi
Outstanding
Brunel Field Primary School
0.5 mi
Good
St Bonaventure's Catholic Primary School
0.6 mi
Inspected as St Bonaventure's Catholic Primary School (URN 109255) on 14 Jun 2023

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

68 Oak Road
-
£450k
-
72 Oak Road
-
£353k
-
86 Oak Road
-
£450k
-
79 Oak Road
-
£468k
-

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