5 Beningfield Drive, St. Albans, AL2 1UJ

UPRN:10001068955Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band GEPC: C (78)

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

5 Beningfield Drive, St. Albans, AL2 1UJ

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,152,000

£1.04M - £1.27MMedium

Estimate

£1.15M

Range

£1.04M – £1.27M

Rent Estimate (pcm)

£4,650

£4k - £5k

Monthly

£4,650

Yield

4.67%

Verdict

Derived from HomePortfolio scores

5 Beningfield Drive earns an INVESTIGATE rating with HP Score 65/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). 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

65/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 5Bike 45

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 -3.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10001068955· as of 12 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.79
- valuation_snapshotsrent estimate 4650/mo (range 4150-5100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,754/mo, -38% 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), 27 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 & liquidity12.8/15
230 sales/12mo in area; valuation range width 20%
- 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

£896,000£1,374,000

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£1,195,000

At the asking price

Monthly rent£4,650/mo

Evidenced range £4,150-£5,100

Interest rate5.4%

Loan to value75%

Cash required: £423,050
Net cash flow: -£814/mo
Cash on cash: -2.3%
Score at this price: 13

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 10001068955Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 4650/mo (range 4150-5100)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 4650/mo (range 4150-5100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 27 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. 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£1,152,000

Rent Estimate (pcm)£4,650

Gross Yield4.67%

1y Growth-

3y Growth-0.6%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£579,995 (2006-10-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL2 1UJ

Approval Rate

-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 Change2006-10-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied70%

Age Distribution

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

View Area Profile

Schools Nearby

Bowmansgreen Primary School
0.7 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
1.0 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 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Beningfield Drive
-
£1.16M
-
2 Beningfield Drive
-
£1.12M
-
4 Beningfield Drive
-
£1.08M
-
1 Beningfield Drive
-
£822k
-

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