Flat 5, 4 Richmond Road, Exeter, EX4 4JA

UPRN:100041142704Converted Flat2 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: E (39)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Flat 5, 4 Richmond Road, Exeter, EX4 4JA

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£164,000

£156k - £172kHigh

Estimate

£164k

Range

£156k – £172k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.80%

Verdict

Derived from HomePortfolio scores

Flat 5 earns an INVESTIGATE rating with HP Score 61/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (71/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

72/ 100

Elevated

Walkability

71/ 100

High

Transit & Bike

Transit 36Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 24 Oct 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge2.5/15
claims [AVM +8.5% (HIGH), sold-comps +6.2%, £/sqft +6.1%] → measured edge +0.50pp 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 100041142704· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18%· as of 20 Oct 2026
Rental economics23.7/40
gross yield 8.0% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 996/mo (tenanted)· as of 24 Oct 2026
Stress margin0/30
stressed cash flow -127/mo, -13% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 24 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 248 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 24 Oct 2026
Risk & liquidity14.7/15
440 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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £82/mo
Cash on cash: 2.1%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.68 - 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 100041142704Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18%Valuation edge · as of 20 Oct 2026
listing_factscontractual rent 996/mo (tenanted)Rental economics · as of 24 Oct 2026
listing_factsservice charge / ground rent from the advertStress margin · as of 24 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 24 Oct 2026
property_intelligence

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Seller motivation could not be scored
context, not scored: 0 price cut(s), 248 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. 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.
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£164,000

Rent Estimate (pcm)£850

Gross Yield6.80%

1y Growth+20.6%

3y Growth-1.1%

5y Growth+1.5%

10y Growth+3.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2EX4 4JA

Approval Rate

100%12mo

Development

low

26/1530/FUL
Change of use of public toilet (Sui Generis) to staff facilities for car park (Class E); infill 2x external door openings and internal works.
Pending
26/1522/LED
Certificate of Lawfulness for the existing change of use from a dwellinghouse (Use Class C3) to a house in multiple occupation for seven occupants (sui generis)
Pending
26/1517/CAT
To Crown lift two trees to improve clear lines of sight and prohibit anti-social behaviour. T1 - a holly tree. The branches of the tree currently reach to the ground and provide a dense canopy. The crown lifting of this tree's lower branches to 2-2.5 meters will reduce the potential for antisocial behaviour, improve the ground flora, and strengthen the health of the tree. T2 - a yew tree. The lower branches of this tree provide clover for anti-social behaviour without clear lines of sight, to crown lift this tree to 2-2.m meters will improve lines of sight, improve ground flora and improve the health of the tree by reducing the temptation to climb onto the lower branches.
Pending

View Planning Timeline

Ownership

Corporate Ownership60%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,531

Population Density-

Owner Occupied29%

Age Distribution

0-15 11%16-64 83%65+ 6%

View Area Profile

Schools Nearby

Exeter and North Devon Colleges Group
0.1 mi
-
St David's CofE Primary School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Exeter Mathematics School
0.3 mi
-
Exeter Cathedral School
0.5 mi
Inspected by ISI

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

View All Schools

Comparables

View All

4 Richmond Road
-
£160k
-
4 Richmond Road
-
£160k
-
4 Richmond Road
-
£190k
-
11 Richmond Road
-
£155k
-

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