Paddock Cottage, Cranes Lane, Kelvedon, Colchester, CO5 9AY

UPRN:10006928076Detached House7 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band CEPC: D (62)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3y agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

Paddock Cottage, Cranes Lane, Kelvedon, Colchester, CO5 9AY

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£851,000

£681k - £1.02MLow

Estimate

£851k

Range

£681k – £1.02M

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

1.85%

Verdict

Derived from HomePortfolio scores

Paddock Cottage earns an INVESTIGATE rating with HP Score 59/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (2/100). 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

59/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

2/ 100

Low

Transit & Bike

Transit 46Bike 24

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

advert has 5 bedrooms but the valuation snapshot describes 7 - the UPRN's evidence is for a different home

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£1,950,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,650-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £734,050
Net cash flow: -£4,504/mo
Cash on cash: -7.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.46 - below 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£851,000

Rent Estimate (pcm)£3,000

Gross Yield1.85%

1y Growth-

3y Growth-1.3%

5y Growth+0.4%

10y Growth+2.3%

Last Sold Price£470,000 (2011-10-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CO5 9AY

Approval Rate

-12mo

Development

low

23/00981/DAC
Application for approval of details as reserved by conditions 4, 5 & 6 of approved application 22/02933/LBC
Approved
23/00816/OUT
Outline planning application with all matters reserved, except access, for the erection of around 100 dwellings (including 40% social/affordable housing), associated open space and a rural business court of around 2500 square metres (Class E Use)
Pending
23/00416/LBC
Proposed replacement windows and doors
Approved

View Planning Timeline