Flat 41, Montague Court, Montague Hill South, Bristol, BS2 8HT

UPRN:90648Flat/Maisonette0 bedsBuilt 1976-1982

Tenure: -Council Tax: -EPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 41, Montague Court, Montague Hill South, Bristol, BS2 8HT

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

£146,000

£138k - £153kHigh

Estimate

£146k

Range

£138k – £153k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.89%

Verdict

Derived from HomePortfolio scores

Flat 41 earns an INVESTIGATE rating with HP Score 60/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 100Bike 67

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 -1.4% (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 12 Oct 2026
- valuation_snapshotsestimate for 90648· as of 12 Oct 2026
Rental economics11.9/40
gross yield 6.5% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 800/mo (tenanted)· as of 3 Nov 2026
Stress margin0/30
stressed cash flow -166/mo, -21% 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), 142 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 & liquidity14.6/15
166 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

£111,000£170,000

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£148,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £46,160
Net cash flow: £89/mo
Cash on cash: 2.3%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - 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 90648Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 800/mo (tenanted)Rental economics · as of 3 Nov 2026
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
Seller motivation could not be scored
context, not scored: 0 price cut(s), 142 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£146,000

Rent Estimate (pcm)£850

Gross Yield6.89%

1y Growth-

3y Growth+4.7%

5y Growth+1.1%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BS2 8HT

Approval Rate

-12mo

Development

low

26/13680/COND
Application for approval of details reserved by condition no. 2 (Detail drawings) of permission 24/02616/F - Render works. Replacement of windows like for like. Roof works. Safety barrier to roof. Internal works.
Pending
26/13769/COND
Application for approval of details reserved by condition no. 2 (Detail drawings) of permission 24/02617/LA - Render works. Replacement of windows like for like. Roof works. Safety barrier to roof. Internal works.
Conditions
26/13624/LB
Removal of the existing stud partition separating the kitchen and living areas. Removal of the existing lowered ceiling. Decommissioning and boarding over of the existing fireplace opening. Reconfiguration of the existing stud partitions forming the bathroom and bedroom areas. Relocation of the bathroom and bedroom door openings within the stud walls.
Pending

View Planning Timeline

Ownership

Corporate Ownership50.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,051

Population Density10,857 /km²

Owner Occupied17%

Age Distribution

0-15 10%16-64 88%65+ 2%

View Area Profile

Schools Nearby

North Bristol Post 16 Centre
0.3 mi
-
Cotham School
0.3 mi
Good
Willow Park CofE Primary School
0.4 mi
Inspected as Willow Park CofE Primary School (URN 148841) on 5 Mar 2024
Cotham Gardens Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

1 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Montague Court Montague Hill South
-
£200k
-
Montague Court Montague Hill South
-
£185k
-
Montague Court Montague Hill South
-
£195k
-
Montague Court Montague Hill South
-
£173k
-

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