18, Harlow, CM19 4HW

UPRN:10003706529Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (67)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£814,000

£774k - £855kHigh

Estimate

£814k

Range

£774k – £855k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

4.27%

Verdict

Derived from HomePortfolio scores

18 earns an INVESTIGATE rating with HP Score 70/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (38/100). 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

70/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

38/ 100

Mixed

Transit & Bike

Transit 14Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -10.6% (HIGH), sold-comps -37.0%, £/sqft -37.1%] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10003706529· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 19.7%· as of 7 Nov 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3200/mo (range 2850-3500)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,575/mo, -49% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 183 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 11 Nov 2026
Risk & liquidity14.6/15
131 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£3,200/mo

Evidenced range £2,850-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£822/mo
Cash on cash: -3.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.05 - 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 10003706529Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 19.7%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3500)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 3200/mo (range 2850-3500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 183 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£814,000

Rent Estimate (pcm)£3,200

Gross Yield4.27%

1y Growth-

3y Growth+2.5%

5y Growth+3.3%

10y Growth+3.2%

Last Sold Price£575,000 (2018-11-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CM19 4HW

Approval Rate

-12mo

Development

low

HW/FUL/26/00445
Replacement of existing external cladding
Pending
HW/TP/26/10049
(T1) Oak - Prune back to previous points
Pending
HW/CND/26/00416
Application for approval of details reserved by condition 5 (Residential Travel Information Pack) of planning permission HW/FUL/24/00309 for demolition of existing bungalow and construction of 4 no. two-bedroom houses with 1 no. three bedroom house with associated off street parking (2 spaces per dwelling), private gardens, bicycle storage (2 spaces per dwelling), refuse & recycling storage to front new landscaping and retention of protected trees
Pending

View Planning Timeline

Ownership

Corporate Ownership61.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-11-13
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£30,654

Population Density3,143 /km²

Owner Occupied57%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

Katherines Primary Academy and Nursery
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Jerounds Primary Academy
0.3 mi
Good
St Luke's Catholic Academy
0.5 mi
Good
Water Lane Primary Academy
0.7 mi
Good

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

8 Cock Green
-
£900k
-
18 Cock Green
-
£575k
-
15 Cock Green
-
£355k
-
13 Cock Green
-
£380k
-

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