20 Russell Gardens, Chelmsford, CM2 8DB

UPRN:100090422166Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: -

Data freshness:Listing· freshPlanning· freshOwnership· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£644,000

£580k - £709kMedium

Estimate

£644k

Range

£580k – £709k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

4.59%

Verdict

Derived from HomePortfolio scores

20 Russell Gardens earns an INVESTIGATE rating with HP Score 72/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (34/100). 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 SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

34/ 100

Mixed

Transit & Bike

Transit 13Bike 36

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£575,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £1,950-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: -£418/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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£644,000

Rent Estimate (pcm)£2,200

Gross Yield4.59%

1y Growth-

3y Growth+0.6%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2CM2 8DB

Approval Rate

100%12mo

Development

low

22/01854/DOC/1
Condition 2 - External materials
Pending
26/01223/FUL
Part single, part two storey rear extension with fenestration changes. Addition of lantern in existing rear flat roof.
Approved
26/01166/ADV
x1 Care home name sign to gable wall on front elevation, x2 freestanding care home post signs
Approved

View Planning Timeline

Ownership

Corporate Ownership54%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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£35,791

Population Density482 /km²

Owner Occupied89%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

Mildmay Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Thriftwood School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Michael's Church of England Voluntary Aided Junior School
0.7 mi
Good
Galleywood Infant School
0.7 mi
Good

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

24 Russell Gardens
-
£560k
-
28 Russell Gardens
-
£570k
-
33 Russell Gardens
-
£543k
-
13 Russell Gardens
-
£535k
-

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