23 Warwick Road, St. Albans, AL1 4DJ

UPRN:100080869883Mid Terrace House3 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band EEPC: D (65)

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

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£870,000

£827k - £914kHigh

Estimate

£870k

Range

£827k – £914k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.11%

Verdict

Derived from HomePortfolio scores

23 Warwick Road earns an INVESTIGATE rating with HP Score 77/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (61/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 16Bike 53

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£875,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,650-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: -£876/mo
Cash on cash: -3.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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£870,000

Rent Estimate (pcm)£3,000

Gross Yield4.11%

1y Growth+12.8%

3y Growth+0.3%

5y Growth+1.2%

10y Growth+2.0%

Last Sold Price£725,000 (2016-09-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1AL1 4DJ

Approval Rate

-12mo

Development

low

TP/2026/0497
Variegated Acer tree (#1 on sketch). Pruning back to last pruning points (approx 1.5m)
Pending
TP/2026/0498
To reduce the Beech tree in our back garden by approximately 20%
Pending
TP/2026/0492
T1-Apple-Crown reduce by 2-3 metres to maintain size and shape. T2-Silver Birch-Crown reduce by 1-2 metres to maintain size and shape.
Pending

View Planning Timeline

Ownership

Corporate Ownership46.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-09-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density5,015 /km²

Owner Occupied77%

Age Distribution

0-15 23%16-64 64%65+ 13%

View Area Profile

Schools Nearby

Bernards Heath Infant and Nursery School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bernards Heath Junior School
0.3 mi
Good
Heathlands School
0.3 mi
Outstanding
St Albans High School for Girls
0.3 mi
Inspected by ISI

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

View All Schools

Comparables

View All

11 Warwick Road
-
£1.01M
-
7 Warwick Road
-
£828k
-
25 Warwick Road
-
£700k
-
33 Warwick Road
-
£750k
-

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