Yew Tree House, 21 Church Lane, Loughton, IG10 1PD

UPRN:100090502802Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band GEPC: C (70)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Yew Tree House, 21 Church Lane, Loughton, IG10 1PD

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£1,124,000

£1.07M - £1.18MHigh

Estimate

£1.12M

Range

£1.07M – £1.18M

Rent Estimate (pcm)

£3,850

£3k - £4k

Monthly

£3,850

Yield

4.11%

Verdict

Derived from HomePortfolio scores

Yew Tree House earns an INVESTIGATE rating with HP Score 80/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (68/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

68/ 100

Moderate

Transit & Bike

Transit 22Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 -0.1% (HIGH)] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100090502802· as of 12 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.71
- valuation_snapshotsrent estimate 3850/mo (range 3400-4350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,046/mo, -53% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 131 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 9 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

£844,000£1,294,000

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£1,125,000

At the asking price

Monthly rent£3,850/mo

Evidenced range £3,400-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £395,050
Net cash flow: -£1,131/mo
Cash on cash: -3.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - 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 100090502802Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3850/mo (range 3400-4350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3850/mo (range 3400-4350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 131 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£1,124,000

Rent Estimate (pcm)£3,850

Gross Yield4.11%

1y Growth-7.3%

3y Growth+2.0%

5y Growth-0.5%

10y Growth+1.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1IG10 1PD

Approval Rate

100%12mo

Development

low

EPF/2109/26
Variation of Condition 1 `Plan numbers' of EPF/0659/21 (Demolish existing dwelling and erect a new 5 bedroom dwelling).
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
EPF/2094/26
Certificate of Lawful Development for proposed loft conversion with rear dormer and front roof lights.
Pending

View Planning Timeline

Ownership

Corporate Ownership52%
Overseas OwnershipNo
Lease Term Remaining87 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density2,330 /km²

Owner Occupied92%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

Oak View School
0.3 mi
Good
Staples Road Primary School
0.4 mi
Good
Woodcroft School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Alderton Junior School
0.7 mi
Good

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

View All Schools

Comparables

View All

1 Church Lane
-
£1.20M
-
47 Church Lane
-
£2.15M
-
26 Church Lane
-
£700k
-
24 Church Lane
-
£1.04M
-

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