Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-04T04:00:06.345886+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 5d ago (2026-11-01T14:21:55.257273+00:00)●Planning· 3mo agoPlanning: ageing, refreshed 3mo ago (2026-08-17T07:34:06.462927+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· 3mo agoSchools: stale, refreshed 3mo ago (2026-08-06T07:49:20.947654+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
HP Score
78
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
20 of 21 sources
Sale Estimate
£237,000
£213k - £261kMedium
Estimate
£237k
Range
£213k – £261k
Rent Estimate (pcm)
£1,000
£900 - £1k
Monthly
£1,000
Yield
6.15%
Verdict
Derived from HomePortfolio scores
21 Town Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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.
First floor rear extension with associated alterations to ground floor fenestration
Pending
26/05873/FU
Single storey front extension with front canopy roof over entrance door
Pending
26/05564/DTM
Determination of telecommunications equipment for the installation of a 20m monopole supporting 6 no. antennas, 2 no. equipment cabinets at ground level and associated ancillary equipment
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
Opportunity
Why this could be an opportunity
21
Low confidence0 independent sourcesLead to verifyListing checked 4 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 18% above the ask. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +17.7% (MEDIUM), sold-comps -2.1%, £/sqft -2.0%] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
valuation_snapshotsestimate for 72290998· as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.5%· as of 1 Nov 2026
Rental economics8.3/40
gross yield 6.2%; range width penalty ×0.90; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1000/mo (range 900-1050)· as of 12 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -218/mo, -22% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 77 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 4 Nov 2026
Risk & liquidity12.8/15
234 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
£146,000£224,000
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
£195,000
At the asking price
£1,000/mo
Evidenced range £900-£1,050
5.4%
75%
Cash required
£61,200
Net cash flow
£34/mo
Cash on cash
0.7%
Score at this price
21
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.52 - 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 72290998Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.5%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1000/mo (range 900-1050)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 1000/mo (range 900-1050)
Rental economics needs verification before you rely on it
sale estimate 18% 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.
Stress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026