20 Fir Tree Lane, Bristol, BS5 8TZ

UPRN:390925Semi-Detached House3 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£423,000

£402k - £444kHigh

Estimate

£423k

Range

£402k – £444k

Rent Estimate (pcm)

£2,250

£2k - £2k

Monthly

£2,250

Yield

6.35%

Verdict

Derived from HomePortfolio scores

20 Fir Tree Lane earns an INVESTIGATE rating with HP Score 78/100. Investment score 50/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is good (84/100). 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 SourcesPortal listingsMarket 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

78/ 100

Strong

Investment Score

50/ 100

Mixed

Crime Score

13/ 100

Low

Walkability

84/ 100

High

Transit & Bike

Transit 14Bike 52

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -0.5% (HIGH)] → 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 390925· as of 12 Oct 2026
Rental economics10.1/40
gross yield 6.4%; range width penalty ×0.93
- valuation_snapshotsrent estimate 2250/mo (range 2100-2400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -269/mo, -12% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 183 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
618 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

£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£2,250/mo

Evidenced range £2,100-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: £123/mo
Cash on cash: 1.1%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.57 - 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 390925Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2250/mo (range 2100-2400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 2250/mo (range 2100-2400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 183 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£423,000

Rent Estimate (pcm)£2,250

Gross Yield6.35%

1y Growth+24.4%

3y Growth+0.7%

5y Growth+3.1%

10y Growth+4.6%

Last Sold Price£180,000 (2018-09-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BS5 8TZ

Approval Rate

-12mo

Development

low

DOC26/00391
Discharge of condition 8 (Ecological Enhancement) attached to planning permission P26/01254/RVC Variation of condition 1 (approved plans) attached to planning permission P23/02605/RVC (formerly P20/06621/F) to substitute the approved plans to alter the appearance of the retaining wall and associated landscaping visible from the High Street - Erection of 5no. dwellings with associated access, parking and landscaping.
Pending
COM/26/0007/CHANGEME
Appeal against: Without the benefit of planning permission, the erection of a boundary wall and the importation of materials to facilitate raising the level of the land.
Pending
26/13409/F
Erection of a detached dwellinghouse.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-09-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,051

Population Density-

Owner Occupied68%

Age Distribution

0-15 16%16-64 71%65+ 13%

View Area Profile

Schools Nearby

Air Balloon Hill Primary School
0.2 mi
Good
Summerhill Infant School
0.6 mi
Good
Summerhill Academy
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
E-ACT the Kingfisher School
0.7 mi
Good

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Fir Tree Lane
-
£560k
-
37 Fir Tree Lane
-
£450k
-
6 Fir Tree Lane
-
£356k
-
40 Fir Tree Lane
-
£430k
-

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