81 London Road, St. Albans, AL1 1LN

UPRN:100080856442Mid Terrace HouseBeds -Built -

Tenure: -Council Tax: Band DEPC: C (77)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo 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

19 of 21 sources

Sale Estimate

£765,000

£688k - £841kMedium

Estimate

£765k

Range

£688k – £841k

Rent Estimate (pcm)

£2,650

£2k - £3k

Monthly

£2,650

Yield

12.23%

Verdict

Derived from HomePortfolio scores

81 London Road earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (69/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

38/ 100

Elevated

Walkability

69/ 100

Moderate

Transit & Bike

Transit 35Bike 57

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£260,000

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,350-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: £957/mo
Cash on cash: 14.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.02 - 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£765,000

Rent Estimate (pcm)£2,650

Gross Yield12.23%

1y Growth-

3y Growth+0.3%

5y Growth+1.2%

10y Growth+2.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1AL1 1LN

Approval Rate

0%12mo

Development

low

5/2026/1784
Prior Approval - A non-domestic, flat roof-mounted solar PV installation. 916 modules are designed for the system. Each panel is rated at 455W, totalling a system size of 416.78kW
Pending
5/2026/1759
Certificate of Lawfulness (Proposed) - Erection of a single-storey detached timber log cabin with a pent (mono-pitch) roof in the rear garden, for purposes incidental to the enjoyment of the dwellinghouse (domestic storage and hobby workshop). Footprint 9
Pending
TP/2026/0484
Sycamore tree, trimming and cutting back to reduce damage to neighbour property and garden and fence. tree is in the back garden, it is the only large tree.
Pending

View Planning Timeline

Ownership

Corporate Ownership46.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density11,159 /km²

Owner Occupied61%

Age Distribution

0-15 17%16-64 75%65+ 8%

View Area Profile

Schools Nearby

St Albans Independent College
0.1 mi
Good
St Peter's School
0.2 mi
Good
Loreto College
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
The Abbey Church of England Voluntary Aided Primary School, St Albans
0.3 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

71A London Road
-
£265k
-
91 London Road
-
£750k
-
89 London Road
-
£45k
-
93 London Road
-
£500k
-

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