40 Penzance Gardens, Romford, RM3 9NP

UPRN:100021391068Semi-Detached House6 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band DEPC: C (72)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£570,000

£513k - £627kMedium

Estimate

£570k

Range

£513k – £627k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

5.54%

Verdict

Derived from HomePortfolio scores

40 Penzance Gardens earns an INVESTIGATE rating with HP Score 74/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (59/100). 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

74/ 100

Mixed

Investment Score

70/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

59/ 100

Moderate

Transit & Bike

Transit 54Bike 59

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 edge-0.6/15
claims [AVM -14.0% (MEDIUM), sold-comps -3.0%, £/sqft -3.0%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100021391068· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.8%· as of 29 Oct 2026
Rental economics3.9/40
gross yield 5.5%; range width penalty ×0.90
- valuation_snapshotsrent estimate 3000/mo (range 2750-3200)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -667/mo, -22% 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), 36 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 & liquidity12.8/15
348 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,750-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£117/mo
Cash on cash: -0.6%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - clears 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 100021391068Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.8%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 3000/mo (range 2750-3200)Rental economics · as of 13 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 3000/mo (range 2750-3200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 36 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£570,000

Rent Estimate (pcm)£3,000

Gross Yield5.54%

1y Growth-

3y Growth+1.3%

5y Growth+2.7%

10y Growth+2.7%

Last Sold Price£285,000 (2007-12-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RM3 9NP

Approval Rate

-12mo

Development

low

D0422.26
Certificate of Lawfulness for loft conversion with rear dormer
Pending
P1224.26
Proposed construction of 2-bedroom end of terrace house on land adjoining 6 Settle Road with associated landscaping, parking and other associated works to facilitate the use
Pending
Q0228.26
Construction of a two storey two-bed dwelling with parking and associated amenities following demolition of the existing garage, new crossover to front and a single/two storey rear extension to the existing dwelling at No. 112. Revised Plans Recvd 18/09/24, 19/09/24, 07/10/24, 08/10/24 & 15/10/24. P0960.24 Conditions(s) 2
Pending

View Planning Timeline

Ownership

Corporate Ownership65.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-12-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,726

Population Density7,491 /km²

Owner Occupied56%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

Mead Primary School
0.3 mi
GoodConcerns
Harold Court Primary School
0.3 mi
Good
Drapers' Pyrgo Priory School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Drapers' Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Penzance Gardens
-
£430k
-
2 Penzance Gardens
-
£438k
-
25 Penzance Gardens
-
£380k
-
8 Penzance Gardens
-
£385k
-

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