85 Horse Street, Chipping Sodbury, Bristol, BS37 6DE

UPRN:598215Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: C (70)

Data freshness:Listing· freshPrice Paid· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

85 Horse Street, Chipping Sodbury, Bristol, BS37 6DE

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£758,000

£682k - £833kMedium

Estimate

£758k

Range

£682k – £833k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

4.20%

Verdict

Derived from HomePortfolio scores

85 Horse Street earns an INVESTIGATE rating with HP Score 74/100. Investment score 49/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (53/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

5/ 100

Low

Walkability

53/ 100

Moderate

Transit & Bike

Transit 20Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -18.7% (MEDIUM), sold-comps -28.8%, £/sqft -28.7%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 598215· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%· as of 29 Oct 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3150/mo (range 2850-3450)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,612/mo, -51% 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 3 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 3 Nov 2026
Risk & liquidity12.9/15
465 sales/12mo in area; valuation range width 20%
- 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

£675,000£1,035,000

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£899,995

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,850-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £306,299
Net cash flow: -£857/mo
Cash on cash: -3.4%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.04 - below 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 598215Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2850-3450)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 3150/mo (range 2850-3450)
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. 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£758,000

Rent Estimate (pcm)£3,150

Gross Yield4.20%

1y Growth-57.7%

3y Growth-0.5%

5y Growth+2.6%

10y Growth+3.2%

Last Sold Price£545,000 (2017-05-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BS37 6DE

Approval Rate

-12mo

Development

low

P26/02331/TCA
Works to Crown reduce 2no. Holly Trees (T2) by 2 metres. Works to remove low shoots up to fork and cavity of 1no Sycamore Tree (T3) and reduce lowest limbs car park side by 3 metres and neighbouring property side limbs by up to 5 metres. Works to Crown lift 1no. Copper Foliage Beech Tree (T4) to 3.5 metres and clear foliage 1.5 metres from walls. Situated within Chipping Sodbury Conservation Area.
Pending
P26/02285/ADV
Display of 1no. directional sign, 1no. individual letters and written text welcome sign with trough light. 1no. disclaimer sign, 1no. poster case, 1no. double sided pictorial sign with linolites. 2no. amenity board signs, 4no. lanterns and 6no. floodlights
Pending
P26/02275/TCA
Works to crown reduce 1 no. Ash Tree back to previous points. Situated within Chipping Sodbury Conservation Area.
Pending

View Planning Timeline

Ownership

Corporate Ownership60.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-05-09
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£35,002

Population Density2,537 /km²

Owner Occupied87%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

St John's Mead Church of England Primary School
0.2 mi
Good
Chipping Sodbury School
0.3 mi
Good
Raysfield Primary School
0.8 mi
Inspected as Raysfield Primary School (URN 148178) on 20 Jun 2023
Broadway Infant School
0.8 mi
Inspected as Broadway Infant School (URN 109057) on 19 Jul 2023

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

77 Horse Street
-
£233k
-
73 Horse Street
-
£218k
-
105 Horse Street
-
£515k
-
103 Horse Street
-
£150k
-

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