22 St Marys Avenue, Northchurch, Berkhamsted, HP4 3RW

UPRN:100080678558Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band EEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

22 St Marys Avenue, Northchurch, Berkhamsted, HP4 3RW

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£668,000

£634k - £701kHigh

Estimate

£668k

Range

£634k – £701k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

3.67%

Verdict

Derived from HomePortfolio scores

22 St Marys Avenue earns an INVESTIGATE rating with HP Score 75/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (60/100). 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

75/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

60/ 100

Moderate

Transit & Bike

Transit 12Bike 30

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£670,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,800-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £225,800
Net cash flow: -£842/mo
Cash on cash: -4.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - 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£668,000

Rent Estimate (pcm)£2,050

Gross Yield3.67%

1y Growth+6.0%

3y Growth+2.1%

5y Growth+1.6%

10y Growth+2.6%

Last Sold Price£325,000 (2006-12-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4HP4 3RW

Approval Rate

100%12mo

Development

low

26/02387/TEL
The proposed upgrade of an existing telecommunications base station comprising the removal of the existing 18 metre high tree mast and installation of a 23 metre high monopole with 6 no. antennas and 1 no. GPS module, and ancillary development thereto.
Pending
26/02356/FUL
Construction of a fence and hedgerow
Pending
26/02355/RET
Retention of hardstanding
Pending

View Planning Timeline