4 Vicarage Close, Northaw, Potters Bar, EN6 4NY

UPRN:100080970659Detached PropertyBeds -Built 1967-1975

FreeholdCouncil Tax: Band GEPC: D (64)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

4 Vicarage Close, Northaw, Potters Bar, EN6 4NY

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

£860,000

£688k - £1.03MLow

Estimate

£860k

Range

£688k – £1.03M

Rent Estimate (pcm)

£3,150

£3k - £4k

Monthly

£3,150

Yield

6.30%

Verdict

Derived from HomePortfolio scores

4 Vicarage Close earns an INVESTIGATE rating with HP Score 67/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (31/100). 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

67/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

31/ 100

Mixed

Transit & Bike

Transit 5Bike 22

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics7.9/40
gross yield 6.3%; range width penalty ×0.76; the estimate this rent rides on sits 30% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3150/mo (range 2800-3500)· as of 10 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this home· as of 10 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -346/mo, -11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026
Risk & liquidity9.2/15
258 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£600,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,800-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: £156/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsrent estimate 3150/mo (range 2800-3500)Rental economics · as of 10 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_date

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 3150/mo (range 2800-3500)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£860,000

Rent Estimate (pcm)£3,150

Gross Yield6.30%

1y Growth-

3y Growth+0.0%

5y Growth+0.7%

10y Growth+2.7%

Last Sold Price£175,000 (2005-02-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EN6 4NY

Approval Rate

-12mo

Development

low

6/2026/1566/TC
(T1) Hazel – Reduce the height and lateral spread by approx 1.5–2m, pruning back to the previous pruning points where appropriate (T2) Yew – Reduce the height and lateral spread by approx 0.5m, growth encroaching over the pathway
Approved
6/2026/1536/HOUSE
Erection of a part single part two storey rear and side extension, loft conversion with rear dormer
Approved
6/2026/0964/LB
Installation of fibre broadband infrastructure to the dwelling requiring a small diameter penetration through an external wall of the listed building to facilitate fibre cabling and an internal connection point
Approved

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-02-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,805

Population Density-

Owner Occupied65%

Age Distribution

0-15 16%16-64 62%65+ 22%

View Area Profile

Schools Nearby

Northaw Church of England Primary School
0.1 mi
-
Stormont School
0.9 mi
Inspected by ISI
Queenswood School
1.0 mi
Inspected by ISI
Oakmere Primary School
1.0 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Vicarage Close
-
£500k
-
9 Vicarage Close
-
£750k
-
2 Vicarage Close
-
£694k
-
7 Vicarage Close
-
£730k
-

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