95 Ratcliffe Drive, Stoke Gifford, Bristol, BS34 8TY

UPRN:563671Semi-Detached House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band BEPC: C (72)

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

95 Ratcliffe Drive, Stoke Gifford, Bristol, BS34 8TY

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£357,000

£340k - £375kHigh

Estimate

£357k

Range

£340k – £375k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

9.86%

Verdict

Derived from HomePortfolio scores

95 Ratcliffe Drive earns an INVESTIGATE rating with HP Score 72/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (45/100). 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

72/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

45/ 100

Mixed

Transit & Bike

Transit 17Bike 54

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£280,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,150-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: £647/mo
Cash on cash: 8.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.43 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£357,000

Rent Estimate (pcm)£2,300

Gross Yield9.86%

1y Growth+23.5%

3y Growth-2.0%

5y Growth+2.7%

10y Growth+3.9%

Last Sold Price£152,000 (2013-05-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BS34 8TY

Approval Rate

-12mo

Development

low

P26/02439/PND
Prior notification of the intention to demolish 1no. building (former youth club).
Pending
P26/02403/HH
Replacement of the existing conservatory roof with a solid tiled roof and alterations to the glazing and footprint to square off the existing corner projections.
Pending
P26/02267/HH
Erection of first floor side extension to form additional living accommodation. Conversion of existing garage to form office.
Pending

View Planning Timeline