Amber Cottage, 19 Market Square, Amersham, HP7 0DG

UPRN:10008027716Terrace Property2 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: D (61)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Amber Cottage, 19 Market Square, Amersham, HP7 0DG

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£613,000

£582k - £643kHigh

Estimate

£613k

Range

£582k – £643k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

4.53%

Verdict

Derived from HomePortfolio scores

Amber Cottage earns an INVESTIGATE rating with HP Score 82/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (95/100). 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

82/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

95/ 100

Excellent

Transit & Bike

Transit 10Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 Nov 2026

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

Valuation edge0/15
claims [AVM +7.0% (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 14 Nov 2026
- valuation_snapshotsestimate for 10008027716· as of 14 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.78
- valuation_snapshotsrent estimate 2150/mo (range 1900-2350)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -954/mo, -44% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 143 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 10 Nov 2026
Risk & liquidity14.6/15
86 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

£427,500£655,500

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£569,950

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,900-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £190,783
Net cash flow: -£435/mo
Cash on cash: -2.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - 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 10008027716Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 2150/mo (range 1900-2350)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 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 2150/mo (range 1900-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 143 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£613,000

Rent Estimate (pcm)£2,150

Gross Yield4.53%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+2.6%

Last Sold Price£345,000 (2005-11-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HP7 0DG

Approval Rate

-12mo

Development

low

PL/26/08809/CONDA
Approval of details reserved by condition 2 (Materials) of planning application PL/26/05284/FA
Pending
PL/26/08844/FA
Householder application for the construction of a front / porch extension with canopy, raised decking in rear garden
Pending
PL/26/08313/KA
Removal of low epicormic branch growing over adjacent wall and two secondary branches growing over the wall back to the primary epicormic branch, and removal of major deadwood of T1 (Beech); reduce back behind the adjacent wall by 1m of T1A (Holm Oak); reduction of southeast side by 3m, removal of major deadwood of T2 (Sycamore); cut back from neighbour's trees by 1m of T3 (Holly) within Yew hedge; reduction of top down by 0.6m and sides by 0.5m of T4 (Holm Oak); removal of major deadwood, reduction of low limb overhanging the gate back by 3m, clearance of phone line by 1m of T5 (Ornamental Apple); crown lift to 4m over the drive and cut back from the adjacent Holly to give 2m clearance of T6 (Sycamore); pruning back to the wall by 1.5m of G1 (Yew, Holm Oak, Holly, Hawthorn)
Pending

View Planning Timeline

Ownership

Corporate Ownership58.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-11-10
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£35,937

Population Density247 /km²

Owner Occupied73%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

St Mary's CofE Primary School, Amersham
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Dr Challoner's Grammar School
0.7 mi
Outstanding
Home Tuition Service
0.9 mi
-
Amersham School
1.1 mi
Report card2025
Ofsted no longer awards a single overall grade.

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 - 23 Market Square
-
£425k
-
19 Market Square
-
£345k
-
15 Market Square
-
£345k
-
19 Market Square
-
£238k
-

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