22 Penny Croft, Harpenden, AL5 2PB

UPRN:100080835366Detached House5 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band GEPC: C (75)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£2,239,000

£2.13M - £2.35MHigh

Estimate

£2.24M

Range

£2.13M – £2.35M

Rent Estimate (pcm)

£7,350

£7k - £8k

Monthly

£7,350

Yield

4.41%

Verdict

Derived from HomePortfolio scores

22 Penny Croft earns an INVESTIGATE rating with HP Score 64/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (8/100). 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

64/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

8/ 100

Low

Transit & Bike

Transit 41Bike 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£2,000,000

At the asking price

Monthly rent£7,350/mo

Evidenced range £6,500-£8,150

Interest rate5.4%

Loan to value75%

Cash required: £755,050
Net cash flow: -£1,662/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.09 - 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£2,239,000

Rent Estimate (pcm)£7,350

Gross Yield4.41%

1y Growth-

3y Growth-1.1%

5y Growth+2.0%

10y Growth+2.8%

Last Sold Price£675,000 (2002-03-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL5 2PB

Approval Rate

-12mo

Development

low

TP/2026/0493
Cypress - Reduce by about 30% in hiehgt and laterally
Pending
TP/2026/0458
G1 Mixed Tree Growth - Reduce back over long laterals over highway to achieve legal requirement of 5.2m and 2.4m over footpath
Pending
5/2026/1657
Certificate of Lawfulness (proposed) - Single Storey Rear Extension
Pending

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-03-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied94%

Age Distribution

0-15 20%16-64 57%65+ 23%

View Area Profile

Schools Nearby

St Dominic Catholic Primary School
1.3 mi
Inspected as St Dominic Catholic Primary School (URN 117478) on 22 Nov 2023
The Grove Junior School
1.4 mi
Good
The Grove Infant and Nursery School
1.4 mi
Outstanding
Townsend Church of England School
1.6 mi
Good

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

View All Schools

Comparables

View All

20 Penny Croft
-
£3.45M
-
8 Penny Croft
-
£1.30M
-
30 Penny Croft
-
£1.63M
-
6 Penny Croft
-
£1.22M
-

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