32 Crossfields, Loughton, IG10 3PY

UPRN:100090503530End Terrace House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band DEPC: C (73)

Data freshness:Listing· freshPrice Paid· freshPlanning· 6mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

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

£625,000

£594k - £656kHigh

Estimate

£625k

Range

£594k – £656k

Rent Estimate (pcm)

£2,800

£3k - £3k

Monthly

£2,800

Yield

5.60%

Verdict

Derived from HomePortfolio scores

32 Crossfields earns an INVESTIGATE rating with HP Score 67/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (35/100). 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

67/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 42Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [AVM +4.0% (HIGH), sold-comps +7.4%, £/sqft +7.4%] → 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 10 Oct 2026
- valuation_snapshotsestimate for 100090503530· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.7%· as of 18 Oct 2026
Rental economics4/40
gross yield 5.6%; range width penalty ×0.84
- valuation_snapshotsrent estimate 2800/mo (range 2550-3050)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -603/mo, -22% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 165 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 3 Nov 2026
Risk & liquidity14.7/15
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

£450,000£690,000

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£600,000

At the asking price

Monthly rent£2,800/mo

Evidenced range £2,550-£3,050

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£87/mo
Cash on cash: -0.5%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.38 - 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 100090503530Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.7%Valuation edge · as of 18 Oct 2026
valuation_snapshotsrent estimate 2800/mo (range 2550-3050)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 2800/mo (range 2550-3050)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 165 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£625,000

Rent Estimate (pcm)£2,800

Gross Yield5.60%

1y Growth-

3y Growth+2.0%

5y Growth-0.5%

10y Growth+1.6%

Last Sold Price£560,000 (2022-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2IG10 3PY

Approval Rate

100%12mo

Development

low

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
EPF/2079/26
Replacement of existing security gates at the entrance to Epping Forest Shopping Park.
Pending

View Planning Timeline