20 Homestead Gardens, Bristol, BS16 1PH

UPRN:521889Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band FEPC: D (61)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£873,000

£830k - £917kHigh

Estimate

£873k

Range

£830k – £917k

Rent Estimate (pcm)

£4,300

£4k - £5k

Monthly

£4,300

Yield

5.90%

Verdict

Derived from HomePortfolio scores

20 Homestead Gardens earns an INVESTIGATE rating with HP Score 66/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (32/100). 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

66/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

17/ 100

Moderate

Walkability

32/ 100

Mixed

Transit & Bike

Transit 12Bike 51

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 -0.2% (HIGH), sold-comps -8.3%, £/sqft -8.3%] → 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 521889· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%· as of 27 Oct 2026
Rental economics6.3/40
gross yield 5.9%; range width penalty ×0.87
- valuation_snapshotsrent estimate 4300/mo (range 3950-4650)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -661/mo, -15% 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), 142 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 & liquidity14.6/15
925 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

£656,000£1,006,000

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£875,000

At the asking price

Monthly rent£4,300/mo

Evidenced range £3,950-£4,650

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: £24/mo
Cash on cash: 0.1%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.46 - 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 521889Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.8%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 4300/mo (range 3950-4650)Rental economics · as of 10 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

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 4300/mo (range 3950-4650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 142 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£873,000

Rent Estimate (pcm)£4,300

Gross Yield5.90%

1y Growth-

3y Growth+1.0%

5y Growth+2.5%

10y Growth+3.8%

Last Sold Price£688,500 (2018-09-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BS16 1PH

Approval Rate

100%12mo

Development

low

P26/02402/CLP
Extension of existing garage to facilitate conversion to form utility/ store.
Pending
P26/02305/HH
Demolition of existing conservatory and garage. Erection of detached garage, including the installation of 5No PV panels to the roof slope and the erection of a single storey rear extension to form additional living accommodation.
Pending
P26/02178/HH
Erection of playhouse (Retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership75.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-09-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,002

Population Density2,183 /km²

Owner Occupied80%

Age Distribution

0-15 14%16-64 59%65+ 27%

View Area Profile

Schools Nearby

Frenchay Church of England Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
South Gloucestershire Hospital Home Teaching Service
0.4 mi
-
Frome Vale Academy
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bromley Heath Infant School
0.8 mi
Outstanding

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

19 Homestead Gardens
-
£650k
-
18 Homestead Gardens
-
£1.25M
-
18 Homestead Gardens
-
£750k
-
2 Homestead Gardens
-
£1.38M
-

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