Oak Tree House, 1 Lower Road, Stoke Mandeville, Aylesbury, HP22 5UX

UPRN:766293438Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 5mo ago

Oak Tree House, 1 Lower Road, Stoke Mandeville, Aylesbury, HP22 5UX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£1,452,000

£1.16M - £1.74MLow

Estimate

£1.45M

Range

£1.16M – £1.74M

Rent Estimate (pcm)

£4,450

£4k - £5k

Monthly

£4,450

Yield

3.56%

Verdict

Derived from HomePortfolio scores

Oak Tree House earns an INVESTIGATE rating with HP Score 68/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (33/100). 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 SourcesPortal 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

68/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

33/ 100

Mixed

Transit & Bike

Transit 12Bike 33

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.6%; range width penalty ×0.68
- valuation_snapshotsrent estimate 4450/mo (range 3850-5000)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,187/mo, -72% 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
Risk & liquidity9.2/15
364 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£1,500,000

At the asking price

Monthly rent£4,450/mo

Evidenced range £3,850-£5,000

Interest rate5.4%

Loan to value75%

Cash required: £545,050
Net cash flow: -£1,982/mo
Cash on cash: -4.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.88 - 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_snapshotsrent estimate 4450/mo (range 3850-5000)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 4450/mo (range 3850-5000)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£1,452,000

Rent Estimate (pcm)£4,450

Gross Yield3.56%

1y Growth-

3y Growth+0.1%

5y Growth+2.0%

10y Growth+2.0%

Last Sold Price£1,250,000 (2017-04-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HP22 5UX

Approval Rate

-12mo

Development

low

PL/26/08638/SA
Certificate of Lawfulness for extension of the rear garden wall into an unfenced area within the plot boundary
Pending
PL/26/07663/FA
Open timber canopy
Pending
PL/26/06981/HB
Listed building consent for internal & external alterations
Pending

View Planning Timeline