12 Whitewaits, Harlow, CM20 3LJ

UPRN:100090550596Mid Terrace House2 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: C (72)

Data freshness:Listing· freshPrice Paid· freshPlanning· 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

£323,000

£307k - £340kHigh

Estimate

£323k

Range

£307k – £340k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

6.29%

Verdict

Derived from HomePortfolio scores

12 Whitewaits earns an INVESTIGATE rating with HP Score 68/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (59/100). 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

68/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

59/ 100

Moderate

Transit & Bike

Transit 21Bike 68

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£315,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £79/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - 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£323,000

Rent Estimate (pcm)£1,650

Gross Yield6.29%

1y Growth-

3y Growth+2.0%

5y Growth+3.3%

10y Growth+2.7%

Last Sold Price£245,000 (2016-06-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CM20 3LJ

Approval Rate

100%12mo

Development

low

HW/LDCP/26/00442
Alterations to loft conversion including new rear dormer & rooflights on front roof face
Pending
HW/FUL/26/00424
Installation of an ATM machine
Pending
HW/ADV/26/00425
Installation of 1 no. illuminated surround sign and, 1 no. illuminated logo panel
Pending

View Planning Timeline

Ownership

Corporate Ownership31.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-06-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density4,376 /km²

Owner Occupied49%

Age Distribution

0-15 21%16-64 62%65+ 17%

View Area Profile

Schools Nearby

Freshwaters Primary Academy
0.1 mi
Inspected as Broadfields Primary School (URN 114943) on 11 Mar 2010
The Downs Primary School and Nursery
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Harlow College
0.3 mi
-
Bmat Stem Academy
0.3 mi
Good

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

View All Schools

Comparables

View All

18 Whitewaits
-
£300k
-
26 Whitewaits
-
£280k
-
28 Whitewaits
-
£280k
-
29 Whitewaits
-
£310k
-

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