Citrus Grove, Orange Tree Hill, Havering-Atte-Bower, Romford, RM4 1PB

UPRN:100021390155Detached House4 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: D (64)

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

Citrus Grove, Orange Tree Hill, Havering-Atte-Bower, Romford, RM4 1PB

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£1,010,000

£959k - £1.06MHigh

Estimate

£1.01M

Range

£959k – £1.06M

Rent Estimate (pcm)

£3,500

£3k - £4k

Monthly

£3,500

Yield

4.67%

Verdict

Derived from HomePortfolio scores

Citrus Grove earns an INVESTIGATE rating with HP Score 69/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (24/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

24/ 100

Low

Transit & Bike

Transit 16Bike 39

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 29 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +10.9% (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 13 Oct 2026
- valuation_snapshotsestimate for 100021390155· as of 13 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.69
- valuation_snapshotsrent estimate 3500/mo (range 3050-3950)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,354/mo, -39% 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 29 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 30 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 29 Oct 2026
Risk & liquidity14.6/15
39 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£3,500/mo

Evidenced range £3,050-£3,950

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£614/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 100021390155Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3500/mo (range 3050-3950)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 29 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 29 Oct 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 3500/mo (range 3050-3950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 30 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£1,010,000

Rent Estimate (pcm)£3,500

Gross Yield4.67%

1y Growth-

3y Growth+7.1%

5y Growth+2.0%

10y Growth+3.7%

Last Sold Price£173,000 (1997-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3RM4 1PB

Approval Rate

100%12mo

Development

low

T0133.26
Tree T1 - Blue Atlas Cedar Remove the tree by sectional felling to as close to ground level as possible. This tree has outgrown its location despite several previous crown reductions. Its canopy has become excessively dominant, and the main stem is exerting pressure on the boundary wall and the adjacent highway footpath, creating potential structural and safety concerns.
Pending
T0119.26
T1 Cedar - Fell and replant similar species - Due to sever lean over neighbours outbuilding T2 Oak - Reduce Crown by 3 Metres - this is to balance the crown T3 Oak - Reduce Crown by 3 Metres - this is to balance the crown T4 Plum - Reduce Crown by 3 Metres this is maintenance to preserve tree and prevent limbs failing T5 Oak - Reduce Crown spread to balance weight and remove die back T6 Goat Willow - Reduce Crown by 3 Metres to balance weight
Pending
D0347.26
Certificate of Lawfulness for change of use from Use Class C3 (Dwelling house) to Use Class C3(b) (Supported Living)
Pending

View Planning Timeline

Ownership

Corporate Ownership88.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-04-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

26 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,726

Population Density-

Owner Occupied81%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Immanuel School
0.3 mi
Inspected by ISI
Dame Tipping Church of England Primary School
0.4 mi
GoodConcerns
Bower Park Academy
0.6 mi
Good
Oasis Academy Pinewood
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Latten Hoo Orange Tree Hill
-
£775k
-
Oaklands Orange Tree Hill
-
£675k
-
Tredinnock Orange Tree Hill
-
£885k
-
High Winds Orange Tree Hill
-
£1.06M
-

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