Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-02T04:00:05.857782+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 3d ago (2026-11-01T14:05:11.332338+00:00)●Planning· 1mo agoPlanning: ageing, refreshed 1mo ago (2026-09-25T06:37:04.480252+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 4mo agoSchools: stale, refreshed 4mo ago (2026-07-07T09:14:45.605452+00:00)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-16T16:01:30.057916+00:00)
HP Score
61
/ 100
Mixed
Verdict
2 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
19 of 21 sources
Sale Estimate
£343,000
£325k - £360kHigh
Estimate
£343k
Range
£325k – £360k
Rent Estimate (pcm)
£1,700
£2k - £2k
Monthly
£1,700
Yield
7.03%
Verdict
Derived from HomePortfolio scores
20 South Road earns an INVESTIGATE rating with HP Score 61/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (19/100). 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.
Conversion of existing garage and erection of single storey rear/side extension to form bike storage and additional living accommodation. Erection of side walls to front porch canopy to form enclosed porch and installation of shed.
Pending
P26/02146/PIP
Permission in Principle for the demolition of existing bungalow and erection of up to 6no. dwellings.
Pending
P26/02003/F
Erection of first floor extension to garage to facilitate conversion to 1no self build dwelling with parking and associated works.
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 15% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [AVM +15.5% (HIGH), sold-comps +32.9%, £/sqft +32.9%] → 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 12 Oct 2026
valuation_snapshotsestimate for 567378· as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%· as of 28 Oct 2026
Rental economics14.7/40
gross yield 7.0%; range width penalty ×0.91; the estimate this rent rides on sits 15% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1700/mo (range 1600-1850)· as of 12 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -104/mo, -6% 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: 1 price cut(s), 85 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
272 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
£217,500£333,500
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
£290,000
At the asking price
£1,700/mo
Evidenced range £1,600-£1,850
5.4%
75%
Cash required
£92,800
Net cash flow
£198/mo
Cash on cash
2.6%
Score at this price
32
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.74 - 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 567378Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.3%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 1700/mo (range 1600-1850)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield
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 1700/mo (range 1600-1850)
Rental economics needs verification before you rely on it
sale estimate 15% 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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.
Rental economics · as of 2 Nov 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