3 Rosemary Drive, London Colney, St. Albans, AL2 1UD

UPRN:10001065060Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band FEPC: C (70)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

3 Rosemary Drive, London Colney, St. Albans, AL2 1UD

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£924,000

£878k - £970kHigh

Estimate

£924k

Range

£878k – £970k

Rent Estimate (pcm)

£3,700

£3k - £4k

Monthly

£3,700

Yield

4.93%

Verdict

Derived from HomePortfolio scores

3 Rosemary Drive earns an INVESTIGATE rating with HP Score 66/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (14/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 4Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 +2.6% (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 10001065060· as of 12 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3700/mo (range 3350-4100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,207/mo, -33% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 45 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 2 Nov 2026
Risk & liquidity14.6/15
230 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

£675,000£1,035,000

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£900,000

At the asking price

Monthly rent£3,700/mo

Evidenced range £3,350-£4,100

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£476/mo
Cash on cash: -1.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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 10001065060Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3700/mo (range 3350-4100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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
Rental economics needs verification before you rely on it
rent estimate 3700/mo (range 3350-4100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 45 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£924,000

Rent Estimate (pcm)£3,700

Gross Yield4.93%

1y Growth+16.1%

3y Growth-0.6%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£935,000 (2022-09-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3AL2 1UD

Approval Rate

100%12mo

Development

low

5/2026/1715
Certificate of Lawfulness (propopsed) - Replacement of 13 existing white-painted timber flush-casement windows with white heritage-style flush-casement uPVC double-glazed windows. The replacement windows will occupy the existing window openings and replic
Pending
5/2026/1662
Discharge of Conditions 12.8 and 13.3 (updated programme) of planning permission 5/2009/0708 allowed at appeal dated 14/07/2014 for Construction of a Strategic Rail Freight Interchange (SRFI) comprising an intermodal terminal and rail and road served dist
Pending
TP/2026/0428
London Plane - Crown reduce by 2m
Approved

View Planning Timeline

Ownership

Corporate Ownership61.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-09-29
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£45,543

Population Density940 /km²

Owner Occupied70%

Age Distribution

0-15 22%16-64 66%65+ 12%

View Area Profile

Schools Nearby

Bowmansgreen Primary School
0.8 mi
-
Saint Bernadette Voluntary Catholic Primary Academy
0.8 mi
Inspected as Saint Bernadette Catholic Primary School (URN 117489) on 9 Oct 2018
London Colney Primary & Nursery School
0.9 mi
Good
Park Street Church of England Voluntary Aided Primary School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 Rosemary Drive
-
£1.00M
-
41 Rosemary Drive
-
£1.03M
-
20 Rosemary Drive
-
£873k
-
6 Rosemary Drive
-
£880k
-

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