Oaklands, Stearthill House, Mursley Road, Little Horwood, Milton Keynes, MK17 0PR

UPRN:766335527Mid Terrace House5 bedsBuilt 2007-2011

FreeholdCouncil Tax: -EPC: B (84)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

Oaklands, Stearthill House, Mursley Road, Little Horwood, Milton Keynes, MK17 0PR

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£1,046,000

£941k - £1.15MMedium

Estimate

£1.05M

Range

£941k – £1.15M

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

4.09%

Verdict

Derived from HomePortfolio scores

Oaklands earns an INVESTIGATE rating with HP Score 65/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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

65/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 34Bike 25

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 edge0/15
claims [AVM -5.2% (MEDIUM)] → 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 766335527· as of 12 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.72
- valuation_snapshotsrent estimate 3750/mo (range 3300-4200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,014/mo, -54% 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), 39 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 & liquidity12.8/15
280 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,300-£4,200

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: -£1,116/mo
Cash on cash: -3.5%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - 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 766335527Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3750/mo (range 3300-4200)Rental economics · as of 12 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

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 3750/mo (range 3300-4200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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£1,046,000

Rent Estimate (pcm)£3,750

Gross Yield4.09%

1y Growth-

3y Growth-2.1%

5y Growth+1.5%

10y Growth+1.9%

Last Sold Price£592,000 (2011-06-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1MK17 0PR

Approval Rate

100%12mo

Development

low

PL/26/09142/PNE
Notification under The Town and Country Planning (General Permitted Development) Order 2015, Part 1 of Schedule 2 Class A for: removal of existing rear single storey conservatory and erection of single storey side and rear extension (depth extending from the original rear wall of 7.00 metres, maximum height 5.00 metres, eaves height 4.10 metres).
Pending
PL/25/6288/AGN
Notification of agricultural or forestry development under Schedule 2, Part 6 of the Town and Country Planning (General Permitted Development) (England) Order 2015 for erection of agricultural building
Approved
21/C4926/DIS
Application for approval of details subject to Conditions 7 (Travel plan) 8 (Parking) 9 (Cycle Parking) 12 (Landscaping) 16 (Lighting specification) relating to 21/04926/APP
Conditions

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-06-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,937

Population Density-

Owner Occupied83%

Age Distribution

0-15 15%16-64 62%65+ 23%

View Area Profile

Schools Nearby

Whaddon CofE School
1.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Priory Rise School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Giles Brook Primary School
1.8 mi
GoodImproving
Mursley Church of England School
1.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Fernfield Farm Cottages Whaddon Road
-
£900k
-
Stearthill House Whaddon Road
-
£725k
-
Crabtree Farm Whaddon Road
-
£1.60M
-
Stearthill House Whaddon Road
-
£850k
-

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