8 Oak Tree Gardens, Stourbridge, DY8 5YF

UPRN:90111813Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: C (74)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

8 Oak Tree Gardens, Stourbridge, DY8 5YF

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£375,000

£357k - £394kHigh

Estimate

£375k

Range

£357k – £394k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.08%

Verdict

Derived from HomePortfolio scores

8 Oak Tree Gardens earns an INVESTIGATE rating with HP Score 74/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (57/100). 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

57/ 100

Moderate

Transit & Bike

Transit 51Bike 55

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 -4.0% (HIGH)] → 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 Oct 2026
- valuation_snapshotsestimate for 90111813· as of 9 Oct 2026
Rental economics0.6/40
gross yield 5.1%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1500-1750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -563/mo, -34% 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), 279 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
512 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

£292,500£448,500

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£390,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £127,800
Net cash flow: -£174/mo
Cash on cash: -1.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - 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 90111813Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1500-1750)Rental economics · as of 9 Oct 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
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 1650/mo (range 1500-1750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 279 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£375,000

Rent Estimate (pcm)£1,650

Gross Yield5.08%

1y Growth-

3y Growth+1.4%

5y Growth+2.6%

10y Growth+4.1%

Last Sold Price£173,000 (2016-10-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DY8 5YF

Approval Rate

-12mo

Development

low

P26/1354/TREECA
Notification of proposed tree works in a Conservation Area to prune all branches overhanging rear boundary fence from riverbank back behind fence line by 2m and remove arisings.
Pending
P26/1302
Single storey side/rear extension
Pending
P26/1251
Provision of a freestanding canopy to provide covered external teaching area. Convert existing store into office and replace roller shutter with double glazed door and screen.
Conditions

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-10-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,822

Population Density-

Owner Occupied77%

Age Distribution

0-15 17%16-64 61%65+ 22%

View Area Profile

Schools Nearby

Brook Primary School
0.1 mi
Good
Amblecote Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Glasshouse College
0.4 mi
-
The Wordsley School
0.5 mi
Inspected as The Wordsley School (URN 103858) on 21 Feb 2024

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

View All Schools

Comparables

View All

11 Oak Tree Gardens
-
£270k
-
9 Oak Tree Gardens
-
£285k
-
1 Oak Tree Gardens
-
£222k
-
6 Oak Tree Gardens
-
£250k
-

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