3 George Street, Markyate, St. Albans, AL3 8JX

UPRN:100080713402Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (66)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

3 George Street, Markyate, St. Albans, AL3 8JX

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£311,000

£296k - £327kHigh

Estimate

£311k

Range

£296k – £327k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

4.00%

Verdict

Derived from HomePortfolio scores

3 George Street earns an INVESTIGATE rating with HP Score 73/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

38/ 100

Mixed

Transit & Bike

Transit 16Bike 22

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 28 Oct 2026

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

Valuation edge0/15
claims [AVM -6.1% (HIGH), sold-comps -47.3%, £/sqft -47.3%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 100080713402· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.8%· as of 21 Oct 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.75
- valuation_snapshotsrent estimate 1100/mo (range 1000-1250)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -714/mo, -65% 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 28 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 35 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 28 Oct 2026
Risk & liquidity14.6/15
248 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

£247,500£379,500

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£330,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,000-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £106,800
Net cash flow: -£352/mo
Cash on cash: -4.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - 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 100080713402Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.8%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1000-1250)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 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 1100/mo (range 1000-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 35 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£311,000

Rent Estimate (pcm)£1,100

Gross Yield4.00%

1y Growth+11.1%

3y Growth+1.0%

5y Growth+1.6%

10y Growth+2.6%

Last Sold Price£274,000 (2022-01-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0AL3 8JX

Approval Rate

-12mo

Development

low

26/02337/ROC
Variation of Condition 2 (Approved Plans) attached to planning permission 4/01283/19/FUL
Pending
26/02343/DRC
Details as required by Condition 2 (Materials) attached to planning permission 22/02531/FUL
Pending
26/02211/FUL
Construction of a new Self Build two storey two bedroom dwelling to the side of an existing house. Rear single storey extension to the existing house. Solar panels installed to the roof of the existing house and new dwelling. External works including adaption of the existing driveway and rear raised patio decking.
Pending

View Planning Timeline

Ownership

Corporate Ownership63%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-01-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,473

Population Density4,341 /km²

Owner Occupied62%

Age Distribution

0-15 20%16-64 67%65+ 13%

View Area Profile

Schools Nearby

Markyate Village School and Nursery
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Beechwood Park School
1.5 mi
Inspected by ISI
Slip End Village School
1.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Flamstead Village School
1.6 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 George Street
-
£495k
-
11 George Street
-
£395k
-
13 George Street
-
£306k
-
8 George Street
-
£405k
-

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