34 Pennymead, Harlow, CM20 3HX

UPRN:100090540329Mid Terrace House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: C (70)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£324,000

£308k - £340kHigh

Estimate

£324k

Range

£308k – £340k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

6.60%

Verdict

Derived from HomePortfolio scores

34 Pennymead earns an INVESTIGATE rating with HP Score 65/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (48/100). 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

65/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

33/ 100

Moderate

Walkability

48/ 100

Mixed

Transit & Bike

Transit 20Bike 61

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£300,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £130/mo
Cash on cash: 1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£324,000

Rent Estimate (pcm)£1,650

Gross Yield6.60%

1y Growth+1.5%

3y Growth+2.0%

5y Growth+3.3%

10y Growth+2.7%

Last Sold Price£245,000 (2017-11-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM20 3HX

Approval Rate

-12mo

Development

low

HW/HSE/26/00429
The installation of a front access modular ramp
Pending
HW/HSE/26/00417
Proposed front access vehicular hardstand
Pending
HW/ADV/26/00409
Installation of acrylic fascia boards, with green background and white and beige lettering and symbols
Pending

View Planning Timeline

Ownership

Corporate Ownership31.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-11-09
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£30,654

Population Density5,939 /km²

Owner Occupied50%

Age Distribution

0-15 20%16-64 57%65+ 23%

View Area Profile

Schools Nearby

Cooks Spinney Primary Academy and Nursery
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Freshwaters Primary Academy
0.6 mi
Inspected as Broadfields Primary School (URN 114943) on 11 Mar 2010
St Alban's Catholic Academy
0.6 mi
Inspected as St Alban's Catholic Primary School (URN 115274) on 4 May 2010
Church Langley Community Primary School
0.6 mi
Good

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

View All Schools

Comparables

View All

39 Pennymead
-
£305k
-
41 Pennymead
-
£377k
-
45 Pennymead
-
£335k
-
37 Pennymead
-
£330k
-

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