10 Ashfields, Loughton, IG10 1SB

UPRN:100090501141Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band FEPC: C (72)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,152,000

£1.09M - £1.21MHigh

Estimate

£1.15M

Range

£1.09M – £1.21M

Rent Estimate (pcm)

£4,000

£4k - £5k

Monthly

£4,000

Yield

4.02%

Verdict

Derived from HomePortfolio scores

10 Ashfields earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (49/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

49/ 100

Mixed

Transit & Bike

Transit 13Bike 39

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 Nov 2026

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

Valuation edge0/15
claims [AVM -3.7% (HIGH), sold-comps -40.9%, £/sqft -40.9%] → 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100090501141· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.1%· as of 9 Nov 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.73
- valuation_snapshotsrent estimate 4000/mo (range 3550-4500)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,231/mo, -56% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 139 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 12 Nov 2026
Risk & liquidity14.6/15
290 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 sensitivity

£896,000£1,374,000

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£1,195,000

At the asking price

Monthly rent£4,000/mo

Evidenced range £3,550-£4,500

Interest rate5.4%

Loan to value75%

Cash required: £423,050
Net cash flow: -£1,264/mo
Cash on cash: -3.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - below 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 100090501141Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.1%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4000/mo (range 3550-4500)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 4000/mo (range 3550-4500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 139 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 →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. 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£1,152,000

Rent Estimate (pcm)£4,000

Gross Yield4.02%

1y Growth-8.4%

3y Growth+2.0%

5y Growth-0.5%

10y Growth+1.6%

Last Sold Price£830,000 (2020-06-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0IG10 1SB

Approval Rate

-12mo

Development

low

EPF/2146/26
Variation of Condition 2 Plan Numbers of EPF/1598/25 (Demolition of existing dwelling to create new 6 bedroom detached dwelling with dormers in roof to front and rear elevations).
Pending
EPF/2137/26
Change of use for first floor rear office, from Class E to Sui Generis and for a tattoo studio including piercings.
Pending
EPF/2103/26
Proposed Basement to a semi-detached dwelling in addition to a previous approval for a Two Storey Front and Rear Extension (Ref: EPF/0795/25).
Pending

View Planning Timeline

Ownership

Corporate Ownership52.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-06-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density483 /km²

Owner Occupied87%

Age Distribution

0-15 16%16-64 64%65+ 20%

View Area Profile

Schools Nearby

Woodcroft School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Staples Road Primary School
0.4 mi
Good
Oak View School
0.6 mi
Good
Roding Valley High School
0.9 mi
Good

6 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 Ashfields
-
£1.03M
-
3 Ashfields
-
£1.13M
-
14 Ashfields
-
£850k
-
10 Ashfields
-
£830k
-

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