23 High Street, Whaddon, Milton Keynes, MK17 0NA

UPRN:766252322Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: E (46)

Data freshness:Listing· freshPlanning· freshOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

23 High Street, Whaddon, Milton Keynes, MK17 0NA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£279,000

£265k - £292kHigh

Estimate

£279k

Range

£265k – £292k

Rent Estimate (pcm)

£1,050

£950 - £1k

Monthly

£1,050

Yield

4.50%

Verdict

Derived from HomePortfolio scores

23 High Street earns an INVESTIGATE rating with HP Score 67/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 3Bike 19

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -0.4% (HIGH), sold-comps -5.7%, £/sqft -5.6%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 766252322· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10.6%· as of 7 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.82
- valuation_snapshotsrent estimate 1050/mo (range 950-1150)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -540/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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 106 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 6 Nov 2026
Risk & liquidity14.7/15
280 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

£210,000£322,000

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£280,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £950-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: -£218/mo
Cash on cash: -2.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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 766252322Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10.6%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 1050/mo (range 950-1150)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1050/mo (range 950-1150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 106 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£279,000

Rent Estimate (pcm)£1,050

Gross Yield4.50%

1y Growth+5.4%

3y Growth-2.1%

5y Growth+1.5%

10y Growth+1.9%

Last Sold Price£152,000 (2015-06-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1MK17 0NA

Approval Rate

100%12mo

Development

low

PL/26/08612/SA
Certificate of Lawfulness for proposed single-storey garden outbuilding and partial conversion of existing internal garage
Pending
PL/26/05384/HB
Listed building application to remove existing single storey kitchen roof and replace with new roof and internal alterations (retrospective)
Approved
PL/26/03291/FA
Single storey rear extension
Pending

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-06-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,937

Population Density63 /km²

Owner Occupied83%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Whaddon CofE School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oakhill Secure Training Centre
1.2 mi
-
Oxley Park Academy
1.3 mi
Good
The Woodlands School
1.3 mi
Good

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

View All Schools

Comparables

View All

12 High Street
-
£590k
-
13 High Street
-
£560k
-
13 High Street
-
£500k
-
17 High Street
-
£265k
-

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