20 School Road, Copford, Colchester, CO6 1BU

UPRN:100090474669Detached House5 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band FEPC: D (57)

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

20 School Road, Copford, Colchester, CO6 1BU

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£543,000

£489k - £597kMedium

Estimate

£543k

Range

£489k – £597k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

3.51%

Verdict

Derived from HomePortfolio scores

20 School Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (26/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

26/ 100

Low

Transit & Bike

Transit 9Bike 28

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£700,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£943/mo
Cash on cash: -4.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.87 - 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£543,000

Rent Estimate (pcm)£2,050

Gross Yield3.51%

1y Growth-

3y Growth-0.8%

5y Growth+0.2%

10y Growth+2.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CO6 1BU

Approval Rate

-12mo

Development

low

261731
Alterations to fenestration and enlargement of dormer on rear elevation
Pending
261491
Demolition of bungalow and construction of replacement building for 4 no. flats with amended access & associated parking & amenity space
Pending
261383
Proposed demolition of existing rear conservatory and front porch. New single storey rear extension. New front porch. Conversion of garage to habitable space.
Conditions

View Planning Timeline

Ownership

Corporate Ownership72.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,589

Population Density198 /km²

Owner Occupied81%

Age Distribution

0-15 18%16-64 58%65+ 24%

View Area Profile

Schools Nearby

Copford Church of England Voluntary Controlled Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Andrew's Church of England Primary Academy, Marks Tey
1.5 mi
Inspected as St Andrew's Church of England Voluntary Controlled Primary School, Marks Tey (URN 115081) on 27 Sep 2022
Doucecroft School
1.5 mi
Requires improvement
Lakelands Primary School
1.6 mi
Outstanding

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

43 School Road
-
£675k
-
27 School Road
-
£765k
-
41 School Road
-
£975k
-
19 School Road
-
£578k
-

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