72 Valley Road, Harwich, CO12 4RP

UPRN:100090637573Semi-Detached House4 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£249,000

£236k - £261kHigh

Estimate

£249k

Range

£236k – £261k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.00%

Verdict

Derived from HomePortfolio scores

72 Valley Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 13Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 10 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 +7.6% (HIGH), sold-comps +12.9%, £/sqft +12.9%] → 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 14 Nov 2026
- valuation_snapshotsestimate for 100090637573· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.3%· as of 9 Nov 2026
Rental economics7.5/40
gross yield 6.0%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1150/mo (range 1100-1250)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -255/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 10 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 45 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 10 Nov 2026
Risk & liquidity14.6/15
274 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

£172,500£264,500

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£230,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: £20/mo
Cash on cash: 0.3%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 100090637573Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.3%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1250)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 1150/mo (range 1100-1250)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 45 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£249,000

Rent Estimate (pcm)£1,150

Gross Yield6.00%

1y Growth+20.5%

3y Growth-0.9%

5y Growth+0.3%

10y Growth+4.2%

Last Sold Price£220,000 (2024-03-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CO12 4RP

Approval Rate

-12mo

Development

low

26/01704/FUL
Planning Application - Erection of a front extension, demolition of the existing garage and construction of a detached outbuilding, together with the partial change of use of the existing retail unit (Class E) to residential use (Class C3), incorporating the converted area into the existing dwellinghouse, and associated alterations
Pending
26/01631/FUL
Planning Application - Retrospective change of use of dwelling house (Use Class C3) to a mixed use as a dwelling house and home-based child minding and private tutoring (sui generis).
Pending
26/01322/DISCON
Discharge of Conditions Application for 24/00040/OUT - Condition 5 (Vehicular Turning Facility), Condition 7 (Discharge of Surface Water), Condition 8 (Residential Travel Info Pack), Condition 11 (Scheme of Archaeological Evaluation), Condition 12 (Archaeology Evaluation of the Site), Condition 16 (Biodiversity Enhancement Strategy) and Condition 18 (Construction Methodology and Timetable).
Conditions

View Planning Timeline

Ownership

Corporate Ownership77.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-03-15
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£29,545

Population Density2,961 /km²

Owner Occupied82%

Age Distribution

0-15 18%16-64 56%65+ 26%

View Area Profile

Schools Nearby

Chase Lane Primary School and Nursery
0.4 mi
Good
St Michael's CofE Primary Academy, Ramsey
0.6 mi
Inspected as Two Village Church of England Primary School (URN 145856) on 18 Jul 2023
All Saints' Church of England Voluntary Aided Primary School, Dovercourt
0.8 mi
Good
Spring Meadow Primary School & Nursery
0.9 mi
Inspected as Spring Meadow Primary School & School House Nursery (URN 114834) on 28 Feb 2024

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

72 Valley Road
-
£220k
-
70 Valley Road
-
£243k
-
68 Valley Road
-
£300k
-
76 Valley Road
-
£198k
-

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