Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-03T04:00:05.311355+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T14:30:27.029554+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:41:46.689398+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T11:19:20.454156+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· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+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
75
/ 100
Strong
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
17 of 21 sources
Sale Estimate
£243,000
£219k - £268kMedium
Estimate
£243k
Range
£219k – £268k
Rent Estimate (pcm)
£1,650
£2k - £2k
Monthly
£1,650
Yield
9.90%
Verdict
Derived from HomePortfolio scores
199 Thornton Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 59/100 reflects moderate fundamentals. Walkability is excellent (88/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
T1 london plane only tree in front garden Pic supplied tree works required is to pollard or reduce back to previous the tree is overdue a reduction and a london plane producing a lot of spores due to size causing breathing problems and casting on vehicles within houses and making tenants feel unwell the size of it along with leaves make it very dark especially with other trees in same location.
Pending
PLA-2026-002010
Use of property as a house in multiple occupation (Use Class C4).
Pending
PLA-2026-001941
Proposed single-storey side and rear extension along with alterations to roof to allow for side dormer and rear gable.
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
66
Low confidence0 independent sourcesLead to verifyListing checked 3 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)] → 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 77112928· as of 12 Oct 2026
Rental economics39.2/40
gross yield 9.9%; range width penalty ×1.00; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1650/mo (range 1550-1700)· 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
listing_factslisting text signals condition works - budget before trusting any yield· as of 3 Nov 2026· verify before relying on this
Stress margin14.5/30
stressed cash flow +239/mo, +14% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 93 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
284 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 sensitivityScores 80+ up to £150,000
£150,000£230,000
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
£199,950
At the asking price
£1,650/mo
Evidenced range £1,550-£1,700
5.4%
75%
Cash required
£62,785
Net cash flow
£467/mo
Cash on cash
8.9%
Score at this price
66
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.45 - 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 77112928Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1700)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
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 3 Nov 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 1650/mo (range 1550-1700)
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. Set your walk-away price before viewing - above £150,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026