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  3. UPRN 200003631549
  4. Valuation & Market

1 Thatched Cottages, Hatching Green, Harpenden, AL5 2JS

UPRN:200003631549Semi-Detached House3 bedsBuilt -
FreeholdCouncil Tax: -EPC: -AI-Powered Intelligence
Data freshness:●Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)●Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-07-10T08:35:39.960082+00:00)●Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)●Crime· freshCrime: fresh, refreshed today (2026-09-20T01:24:22.764986+00:00)●Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)●Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T02:37:19.861486+00:00)●Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
AI ValuationFairly ValuedUpdated today
£1,243,000
Estimated value
Range: £1.18M - £1.30M|Last sold: -- (-)

Estimate of £1.24M for semi-detached houses in Harpenden. 287 transactions in the last 12 months; median £790k.

AI Confidence
-
High confidence

Value History

Monthly AVM sale-value estimate
Current estimate
£1.24M
£1.18M - £1.30M - High confidence
Annualised (CAGR)
+7.49%
Over the full window
Peak estimate
£1.46M
Dec 2024
From peak
-14.86%
Drawdown from peak
£1.48M£1.30M£1.13M£947k£769k2020202120222023202420252026Peak
AVM estimate (model)Repeat-sales index - AL5 district (quarterly)index YoY +0.99%
Growth by window
3m
+1.72%
6m
-13.80%
12m
-8.20%
24m
-12.53%
60m
+43.70%

Rental Market

Monthly
Estimated rent (pcm)
£4,650
/ month
Gross yield
3.92%
Net yield
2.72%
Vacancy trend
12-month change
-
Tenant profile

Market Metrics

6 live signals
Avg Area Price
£790k
3-bed Semi-Detached House
12m Price Growth
-
vs UK avg
Days on Market
95d
Area avg

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

  • Asking Price£1,243,000
  • SDLT standard£68,050
  • SDLT BTL surcharge (5%)£62,150
  • Legal + Survey£15,000
  • Refurb (light)£87,010
  • Total All-In Cost£1,475,210

Funding

  • Deposit (25%)£310,750
  • Mortgage (75% LTV)£932,250
  • Interest Rate5.25%
  • Mortgage TypeInterest Only
  • Cash Required£542,960

Monthly Returns

  • Monthly Rent (est)£4,650
  • Mortgage Payment (IO)-£4,079
  • Management (10%)-£465
  • Insurance-£199
  • Maintenance-£518
  • Monthly Cashflow-£611

Capital Returns

  • 5yr Property Value£1,402,914
  • 5yr Capital Gain (2.45% pa)+£159,914
  • 5yr Cumulative Rent (net)+£208,080
  • Less mortgage interest-£244,740
  • 5yr Total Return+£123,254

5-Year Projection

BTL · Interest Only
YearProperty ValueEquityCashflow (YTD)Total ReturnROI
Year 1£1,273,454£341,204-£7,332+£23,1224.3%
Year 2£1,304,653£372,403-£14,664+£46,9898.7%
Year 3£1,336,617£404,367-£21,996+£71,62113.2%
Year 4£1,369,364£437,114-£29,328+£97,03617.9%
Year 5£1,402,914£470,664-£36,660+£123,25422.7%

Assumes 2.45% pa capital growth (API forecast), 3.0% rental growth, 5.25% IO mortgage held for 5 years, light refurb completed year 0. ROI is on total cash invested (£542,960).

Price Forecast

No forecast available.

Demand & Supply

DemandSupply

    Comparable Sales

    4 matches
    Comparable: THE OLD APIARY HATCHING GREEN
    Recent sale

    THE OLD APIARY HATCHING GREEN

    £500k
    Sale price
    £/sqft
    -
    Rent pcm
    -
    Yield
    -
    Comparable: THE OLD APIARY HATCHING GREEN
    Recent sale

    THE OLD APIARY HATCHING GREEN

    £50k
    Sale price
    £/sqft
    -
    Rent pcm
    -
    Yield
    -
    Comparable: THE OLD APIARY HATCHING GREEN
    Recent sale

    THE OLD APIARY HATCHING GREEN

    £50k
    Sale price
    £/sqft
    -
    Rent pcm
    -
    Yield
    -
    Comparable: THATCHED COTTAGES HATCHING GREEN
    Recent sale

    THATCHED COTTAGES HATCHING GREEN

    £585k
    Sale price
    £/sqft
    -
    Rent pcm
    -
    Yield
    -

    Area Economic Intelligence

    3 signals
    Signal
    £33,468
    Median Income
    Signal
    1,932
    Population
    Signal
    1.2 / 100
    Deprivation

    Upside Opportunities

    0 levers