38 Temple Mead, Roydon, Harlow, CM19 5EB

UPRN:100090500636Mid Terrace Property4 bedsBuilt -

Tenure: -Council Tax: Band DEPC: C (69)

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

38 Temple Mead, Roydon, Harlow, CM19 5EB

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£564,000

£508k - £620kMedium

Estimate

£564k

Range

£508k – £620k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

7.52%

Verdict

Derived from HomePortfolio scores

38 Temple Mead earns an INVESTIGATE rating with HP Score 66/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (32/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

66/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

32/ 100

Mixed

Transit & Bike

Transit 9Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 11 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 19% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +19.3% (MEDIUM)] → measured edge +0.00pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100090500636· as of 9 Nov 2026
Rental economics17.8/40
gross yield 7.5%; range width penalty ×0.88; the estimate this rent rides on sits 19% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2850/mo (range 2650-3100)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 19% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin1.6/30
stressed cash flow +45/mo, +2% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 58 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 11 Nov 2026
Risk & liquidity12.9/15
131 sales/12mo in area; valuation range width 20%
- 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 sensitivity

£341,000£523,000

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£455,000

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,650-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £150,550
Net cash flow: £437/mo
Cash on cash: 3.5%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.86 - 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 100090500636Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2850/mo (range 2650-3100)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 19% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 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_dateSeller motivation · as of 11 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2850/mo (range 2650-3100)
Rental economics needs verification before you rely on it
sale estimate 19% above the ask on the same snapshot - verify the rent describes this home

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. 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.
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£564,000

Rent Estimate (pcm)£2,850

Gross Yield7.52%

1y Growth-

3y Growth+2.5%

5y Growth+3.3%

10y Growth+3.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM19 5EB

Approval Rate

-12mo

Development

low

EPF/2151/26
Roydon Conservation Area T1: Lawson Cypress - Crown reduce height by up to 3m, remove crossing branches and reduce laterals by up to 1m.
Pending
EPF/2110/26
Erection of a detached garage and construction of a new front garden masonry boundary wall.
Pending
EPF/2062/26
Approval of Details Reserved by Conditions 3 Types and Colours of External Finishes and 4 Hard and Soft Landscaping of EPF/0245/24 (Change of use from public house (sui generis) to residential (C3) to form 7 x 1-bedroom flats).
Pending

View Planning Timeline

Ownership

Corporate Ownership61.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density-

Owner Occupied81%

Age Distribution

0-15 16%16-64 60%65+ 24%

View Area Profile

Schools Nearby

Roydon Primary Academy
0.2 mi
Good
Rye Park Nursery School
1.6 mi
Outstanding
St Andrew's Church of England Voluntary Controlled Primary School
1.7 mi
Good
The John Warner School
1.7 mi
Inspected as The John Warner School (URN 136607) on 11 Oct 2022

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

View All Schools

Comparables

View All

32 Temple Mead
-
£410k
-
26 Temple Mead
-
£425k
-
28 Temple Mead
-
£445k
-
40 Temple Mead
-
£477k
-

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