106 Stephenson Wharf, Hemel Hempstead, HP3 9WX

UPRN:10002009474Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band EEPC: B (83)

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

106 Stephenson Wharf, Hemel Hempstead, HP3 9WX

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£314,000

£298k - £330kHigh

Estimate

£314k

Range

£298k – £330k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

6.10%

Verdict

Derived from HomePortfolio scores

106 Stephenson Wharf earns an INVESTIGATE rating with HP Score 76/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (55/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

74/ 100

High

Crime Score

25/ 100

Moderate

Walkability

55/ 100

Moderate

Transit & Bike

Transit 23Bike 34

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£315,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £45/mo
Cash on cash: 0.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.50 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£314,000

Rent Estimate (pcm)£1,600

Gross Yield6.10%

1y Growth-

3y Growth+3.2%

5y Growth+1.9%

10y Growth+2.9%

Last Sold Price£280,000 (2015-09-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HP3 9WX

Approval Rate

-12mo

Development

low

26/02346/LDP
Loft conversion including hip to gable roof alterations, rear dormer window, Juliette balcony and velux windows to front elevation.
Pending
26/02344/ROC
Variation of Condition 3 (Approved Plans) attached to planning permission 26/01624/FHA
Pending
26/02326/ROC
Variation of Condition 3 attached to planning permission 26/00586/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership60.3%
Overseas OwnershipNo
Lease Term Remaining99 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2015-09-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,473

Population Density8,394 /km²

Owner Occupied40%

Age Distribution

0-15 19%16-64 72%65+ 9%

View Area Profile

Schools Nearby

Nash Mills Church of England Primary School
0.3 mi
Good
Belswains Primary School
0.4 mi
Good
Two Waters Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Chambersbury Primary School
0.7 mi
Good

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

View All Schools

Comparables

View All

120 Stephenson Wharf
-
£305k
-
111 Stephenson Wharf
-
£300k
-
103 Stephenson Wharf
-
£325k
-
102 Stephenson Wharf
-
£315k
-

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