23 Chiswell Green Lane, St. Albans, AL2 3AJ

UPRN:100080845397Semi-Detached PropertyBeds -Built -

FreeholdCouncil Tax: Band EEPC: -

Data freshness:Listing· freshPlanning· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

23 Chiswell Green Lane, St. Albans, AL2 3AJ

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£755,000

£680k - £831kMedium

Estimate

£755k

Range

£680k – £831k

Rent Estimate (pcm)

£3,300

£3k - £4k

Monthly

£3,300

Yield

5.82%

Verdict

Derived from HomePortfolio scores

23 Chiswell Green Lane earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (45/100). 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 SourcesPortal listingsOfcom Connected NationsMarket 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

45/ 100

Mixed

Transit & Bike

Transit 10Bike 38

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

8 live new-build plots advertised against one placeholder UPRN (£660,000-£995,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£680,000

At the asking price

Monthly rent£3,300/mo

Evidenced range £3,000-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £229,300
Net cash flow: -£10/mo
Cash on cash: -0.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.44 - clears 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£755,000

Rent Estimate (pcm)£3,300

Gross Yield5.82%

1y Growth+29.9%

3y Growth-0.6%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£108,000 (1995-12-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2AL2 3AJ

Approval Rate

-12mo

Development

low

5/2026/1645
Provision of single storey front and rear and two storey side extensions. Alterations to fenestration to front and rear elevations and rendering following demolition of existing garage.
Pending
5/2026/1614
Proposed front and side addition to the ground floor and first floor storey with internal alterations to the layout. Porch to the front elevation
Pending
5/2026/1577
Non Material Amendment - Change external material of ground floor rear extension to facing brickwork, change external material at first floor flank wall to render, change ground floor external material to brickwork to side elevations and first floor exist
Rejected

View Planning Timeline