12 Penshurst, Harlow, CM17 0BP

UPRN:100090540554Semi-Detached House5 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band FEPC: B (89)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

20 of 21 sources

Sale Estimate

£606,000

£576k - £636kHigh

Estimate

£606k

Range

£576k – £636k

Rent Estimate (pcm)

£2,650

£2k - £3k

Monthly

£2,650

Yield

5.30%

Verdict

Derived from HomePortfolio scores

12 Penshurst earns an AVOID rating with HP Score 76/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (67/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

57/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

67/ 100

Moderate

Transit & Bike

Transit 12Bike 65

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£600,000

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,400-£2,850

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£190/mo
Cash on cash: -1.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - 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£606,000

Rent Estimate (pcm)£2,650

Gross Yield5.30%

1y Growth-

3y Growth+0.2%

5y Growth+0.6%

10y Growth+2.2%

Last Sold Price£248,000 (2000-12-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM17 0BP

Approval Rate

-12mo

Development

low

HW/HSE/26/00429
The installation of a front access modular ramp
Pending
HW/FUL/26/00431
Installation of a fixed metal escape ladder extending from the existing roof level to ground level on the rear corner elevation of the building
Pending
HW/CND/26/00413
Application for approval of details reserved by condition 2 (Materials) of planning permission HW/HSE/26/00227 for Main Roof Replacement.
Pending

View Planning Timeline

Ownership

Corporate Ownership68.1%
Overseas OwnershipNo
Lease Term Remaining10 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2000-12-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density4,949 /km²

Owner Occupied61%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Fawbert and Barnard's Primary School
0.2 mi
Good
Mark Hall Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Tany's Dell Primary School and Nursery
0.5 mi
Good
Cooks Spinney Primary Academy and Nursery
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 Penshurst
-
£668k
-
4 Penshurst
-
£580k
-
11 Penshurst
-
£445k
-
8 Penshurst
-
£525k
-

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