12 House Lane, Sandridge, St. Albans, AL4 9ET

UPRN:100080854035Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: D (66)

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

12 House Lane, Sandridge, St. Albans, AL4 9ET

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£484,000

£460k - £508kHigh

Estimate

£484k

Range

£460k – £508k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

4.55%

Verdict

Derived from HomePortfolio scores

12 House Lane earns an INVESTIGATE rating with HP Score 63/100. Investment score 49/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (33/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

22/ 100

Moderate

Walkability

33/ 100

Mixed

Transit & Bike

Transit 9Bike 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£475,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£357/mo
Cash on cash: -2.7%
Score at this price: -

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.

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£484,000

Rent Estimate (pcm)£1,800

Gross Yield4.55%

1y Growth-

3y Growth-3.1%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£245,000 (2015-06-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1AL4 9ET

Approval Rate

-12mo

Development

low

26/0565/TPO
T8 Pine - reduce lowest limb in E direction by 2.5m to reduce end weight and over extended form. This will also prevent debris from accumulating on the parked cars. T7 Pine - remove snapped hanging limb to prevent risk of falling
Pending
26/0562/TPO
Proposed Works: Reduce and shape the crown of the Sycamore in the rear garden by approximately 30%, returning it to a similar size and shape to that achieved by the previous pruning works. This application is similar to the previously approved Planning Application TP/2021/0608. TPO Reference: TPO 1900 (T13) ? Individual Sycamore (confirmation status unconfirmed). Reasons for Works: Routine maintenance and management of the tree's size. Improve light to the property and garden. Improve the usability and enjoyment of the garden.
Pending
26/1909/PAO
Prior Approval - Enlargement of a dwelling house by construction of one additional storey to a maximum height of 7.5m
Pending

View Planning Timeline

Ownership

Corporate Ownership63.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-06-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density141 /km²

Owner Occupied64%

Age Distribution

0-15 19%16-64 59%65+ 22%

View Area Profile

Schools Nearby

Sandridge School
0.5 mi
-
Sandringham School
0.7 mi
Outstanding
Wheatfields Junior Mixed School
0.7 mi
Good
Wheatfields Infants' and Nursery School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

14 House Lane
-
£500k
-
20 House Lane
-
£535k
-
32 House Lane
-
£533k
-
24 House Lane
-
£418k
-

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