1 Coopers Gate, Colney Heath, St. Albans, AL4 0ND

UPRN:10001062941Detached House4 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

1 Coopers Gate, Colney Heath, St. Albans, AL4 0ND

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£869,000

£825k - £912kHigh

Estimate

£869k

Range

£825k – £912k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

4.65%

Verdict

Derived from HomePortfolio scores

1 Coopers Gate earns an INVESTIGATE rating with HP Score 68/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (47/100). 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 NationsOfcom mobile coverageMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

47/ 100

Mixed

Transit & Bike

Transit 9Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 +7.9% (HIGH), sold-comps -31.4%, £/sqft -31.5%] → 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 10001062941· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 23%· as of 5 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.75
- valuation_snapshotsrent estimate 3100/mo (range 2750-3450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,226/mo, -40% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 213 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 4 Nov 2026
Risk & liquidity14.6/15
244 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,750-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£554/mo
Cash on cash: -2.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - below 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 10001062941Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 23%Valuation edge · as of 5 Nov 2026
valuation_snapshotsrent estimate 3100/mo (range 2750-3450)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

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 3100/mo (range 2750-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 213 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. 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.
3. 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£869,000

Rent Estimate (pcm)£3,100

Gross Yield4.65%

1y Growth-

3y Growth-3.1%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£465,000 (2012-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL4 0ND

Approval Rate

-12mo

Development

low

5/2026/1480
Certificate of Lawfulness (proposed) - Proposed hip to gable and dormer to form loft conversion
Approved
5/2026/1405
Double storey rear extension. Ground floor extension to accommodate a open plan family space, Utility room and WC. First floor internal alterations to accommodate a new third bedroom. Addition of windows to the front elevations and side door and windows t
Pending
5/2026/1311
Garage extension (part retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership63.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied71%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Colney Heath Primary School
0.2 mi
Inspected as Colney Heath Junior Mixed Infant and Nursery School (URN 117145) on 22 Nov 2022
Nicholas Breakspear Catholic School
1.0 mi
OutstandingImproving
Links Academy
1.2 mi
GoodImproving
Oaklands College
1.3 mi
-

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Coopers Gate
-
£795k
-
10 Coopers Gate
-
£780k
-
9 Coopers Gate
-
£625k
-
8 Coopers Gate
-
£587k
-

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