THE COTTAGE SPEEN ROAD
Recent sale
£1.07M
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Upper North Dean Farm, Speen Road, North Dean, High Wycombe, HP14 4NJ
UPRN:100081095325-3 bedsBuilt before 1900
Tenure: -Council Tax: Band HEPC: F (32)
Data freshness:Listing· freshListing: fresh, refreshed today (2026-10-24T04:00:05.961683+00:00)Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:11:20.878172+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-07-01T02:04:50.057738+00:00)Risk· 2y agoRisk: stale, refreshed 2y ago (2024-12-31T00:00:00+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 refreshCouncil Tax· 4mo agoCouncil Tax: stale, refreshed 4mo ago (2026-07-03T07:41:16.386402+00:00)
Valuation estimateUpdated today
£887,000
Estimated value
Range: £709k - £1.06M|Last sold: -- (-)
Estimate of £887k for this property. 167 sales in HP14 in the last 12 months; median £470k.
Estimate confidence
Low confidence
Value History
Current estimate
£887k
£709k - £1.06M - Low confidence
Annualised (CAGR)
-11.33%
Over the full window
Peak estimate
£2.21M
May 2023
From peak
-59.92%
Drawdown from peak
AVM estimate (model)Repeat-sales index - HP14 district (quarterly)index YoY +2.07%
Growth by window
3m
+2.90%
6m
+4.48%
12m
+22.01%
24m
+23.02%
60m
-55.56%
Rental Market
Estimated rent (pcm)
£2,750
/ month
Gross yield
1.32%
Rent ÷ asking price
Net yield
0.92%
Assumes ~31% running costs (not this property's)
Vacancy trend
12-month change
Market Metrics
Median Area Price
£470k
HP14 sales, last 12 months
12m Price Growth
-
HP14 median, Land Registry
Days on Market
106d
HP14 average
Sales & Yield
3 metricsTransactions / 12m
167
HP14 sales
Area Gross Yield
6.86%
HP14 medians
Last Sold
-
-
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£2,500,000
- SDLT standard£213,750
- SDLT BTL surcharge (5%)£125,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£2,840,850
Funding
- Deposit (25%)£625,000
- Mortgage (75% LTV)£1,875,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£965,850
Monthly Returns
- Monthly Rent (estimate)£2,750
- Mortgage Payment (IO)-£8,203
- Management (10%)-£275
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow, before lease costs (not stated)-£5,828
Capital Returns
- 5yr Property Value£2,683,936
- 5yr Capital Gain (1.43% pa, historical)+£183,936
- 5yr Cumulative Rent (net, before lease costs)+£148,561
- Less mortgage interest-£492,180
- 5yr Total Return (before lease costs)-£159,683
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £2,535,750 | £660,750 | -£69,936 | -£34,186 | -3.5% |
| Year 2 | £2,572,011 | £697,011 | -£139,272 | -£67,261 | -7.0% |
| Year 3 | £2,608,791 | £733,791 | -£208,007 | -£99,216 | -10.3% |
| Year 4 | £2,646,097 | £771,097 | -£276,127 | -£130,030 | -13.5% |
| Year 5 | £2,683,936 | £808,936 | -£343,619 | -£159,683 | -16.5% |
Modelled on the live asking price. Capital growth 1.43% a year is the HP14 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£965,850).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
FLINT COTTAGE SPEEN ROAD
Recent sale
£650k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
LONGWOOD SPEEN ROAD
Recent sale
£1.13M
Sale price
£/sqft
-
Rent pcm
-
Yield
-
THE COTTAGE SPEEN ROAD
Recent sale
£450k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£35,937
Median earnings (local authority)
Signal
1,557
Population
Signal
0.6%
Households Deprived