178B St Andrews Avenue, Colchester, CO4 3BE

UPRN:100090476559Mid Terrace House5 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band BEPC: C (72)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

178B St Andrews Avenue, Colchester, CO4 3BE

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£265,000

£252k - £279kHigh

Estimate

£265k

Range

£252k – £279k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

7.29%

Verdict

Derived from HomePortfolio scores

178B St Andrews Avenue earns an INVESTIGATE rating with HP Score 66/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (72/100). 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

66/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

72/ 100

High

Transit & Bike

Transit 40Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 13 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +3.8% (HIGH), sold-comps +24.1%, £/sqft +24.2%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100090476559· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%· as of 8 Nov 2026
Rental economics33.4/40
gross yield 9.2% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 1950/mo (tenanted)· as of 13 Nov 2026
Stress margin11.7/30
stressed cash flow +227/mo, +12% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 13 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 290 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 13 Nov 2026
Risk & liquidity14.6/15
541 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivityScores 80+ up to £204,000

£191,000£293,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£255,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £80,550
Net cash flow: £212/mo
Cash on cash: 3.2%
Score at this price: 62

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.80 - 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_snapshotsestimate for 100090476559Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.8%Valuation edge · as of 8 Nov 2026
listing_factscontractual rent 1950/mo (tenanted)Rental economics · as of 13 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026
property_intelligence

Risks

What could kill this deal

Seller motivation could not be scored
context, not scored: 1 price cut(s), 290 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
2. Set your walk-away price before viewing - above £204,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£265,000

Rent Estimate (pcm)£1,550

Gross Yield7.29%

1y Growth-

3y Growth-0.8%

5y Growth+1.0%

10y Growth+3.3%

Last Sold Price£276,000 (2021-08-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3CO4 3BE

Approval Rate

-12mo

Development

low

261890
Replacement windows at rear and rear side.
Pending
261805
Application for approval of details reserved by condition 5, 7, 10, 13and 22 of application 252034
Pending
261775
Demolition of existing out-buildings, proposed side/rear extension andchange of use of the existing four-bedroom dwelling to provide a three-bedroom assisted living residential care home, erection of two assisted living one-bedroom units to the rear (Use
Pending

View Planning Timeline

Ownership

Corporate Ownership60.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-08-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,589

Population Density-

Owner Occupied25%

Age Distribution

0-15 16%16-64 75%65+ 9%

View Area Profile

Schools Nearby

Unity Primary Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Colchester Academy
0.7 mi
Good
Willow Brook Primary School and Nursery
0.7 mi
Good
Hazelmere Infant School and Nursery
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

182C St Andrews Avenue
-
£300k
-
174 St Andrews Avenue
-
£340k
-
178B St Andrews Avenue
-
£276k
-
182 St Andrews Avenue
-
£250k
-

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