322 The Ridgeway, St. Albans, AL4 9RJ

UPRN:100080868280Purpose Built Flat2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band CEPC: C (76)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£376,000

£357k - £394kHigh

Estimate

£376k

Range

£357k – £394k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

5.76%

Verdict

Derived from HomePortfolio scores

322 The Ridgeway earns an INVESTIGATE rating with HP Score 71/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (64/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

64/ 100

Moderate

Transit & Bike

Transit 20Bike 57

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£375,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: -£19/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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£376,000

Rent Estimate (pcm)£1,800

Gross Yield5.76%

1y Growth-27.9%

3y Growth-3.1%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£350,000 (2022-02-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL4 9RJ

Approval Rate

-12mo

Development

low

5/2026/1777
Prior Notification - Single storey rear extension 3.0m in height x 6.0m in depth with 2.70m height to eaves
Pending
5/2026/1707
Single storey front extension.
Pending
5/2026/1696
Single storey side and rear extension with new patio area
Pending

View Planning Timeline

Ownership

Corporate Ownership63.8%
Overseas OwnershipNo
Lease Term Remaining122 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-02-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied61%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

St John Fisher Catholic Primary School, a Voluntary Academy
0.2 mi
Inspected as St John Fisher Roman Catholic Primary School (URN 117480) on 28 Feb 2017
Skyswood Primary & Nursery School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Sandringham School
0.5 mi
Outstanding
Wheatfields Junior Mixed School
0.5 mi
Good

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

300 The Ridgeway
-
£245k
-
286 The Ridgeway
-
£340k
-
288 The Ridgeway
-
£395k
-
300 The Ridgeway
-
£198k
-

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