1 Steels Cottages, Seamans Lane, Stock, Ingatestone, CM4 9RF

UPRN:100091237128Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (58)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

1 Steels Cottages, Seamans Lane, Stock, Ingatestone, CM4 9RF

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£797,000

£757k - £837kHigh

Estimate

£797k

Range

£757k – £837k

Rent Estimate (pcm)

£3,050

£3k - £3k

Monthly

£3,050

Yield

4.88%

Verdict

Derived from HomePortfolio scores

1 Steels Cottages earns an INVESTIGATE rating with HP Score 60/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (6/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

6/ 100

Low

Transit & Bike

Transit 5Bike 22

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£750,000

At the asking price

Monthly rent£3,050/mo

Evidenced range £2,750-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£420/mo
Cash on cash: -2.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - below 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£797,000

Rent Estimate (pcm)£3,050

Gross Yield4.88%

1y Growth-

3y Growth-3.7%

5y Growth+0.6%

10y Growth+2.3%

Last Sold Price£499,999 (2011-08-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM4 9RF

Approval Rate

-12mo

Development

low

26/01337/FUL
Proposed extensions and alterations to existing annexe
Pending
24/01626/DOC/1
Condition 3 - Materials, Condition 4 - Boundary treatments, Condition 9 - Surface treatment of vehicular access, Condition 10 - Hardsurfacing, Condition 16 - Hard & Soft Landscaping & Condition 17 - Finished Levels
Unresolved
26/01160/PIP
Permission in Principle for development of between 6 and 9 no. dwellings
Pending

View Planning Timeline

Ownership

Corporate Ownership73.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2011-08-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,791

Population Density148 /km²

Owner Occupied86%

Age Distribution

0-15 15%16-64 55%65+ 30%

View Area Profile

Schools Nearby

Stock Church of England Primary School
0.9 mi
Good
St Peter's Church of England Primary Academy, West Hanningfield
1.7 mi
Inspected as St Peters Church of England Voluntary Aided Primary School, West Hanningfield (URN 115202) on 31 Jan 2023
Downham Church of England Voluntary Controlled Primary School
2.0 mi
Inspected as Downham Church of England Voluntary Controlled Primary School (URN 115119) on 29 Sep 2021
Mayflower High School
2.1 mi
Report card2025
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Steels Cottages Seamans Lane
-
£875k
-
Steels Cottages Seamans Lane
-
£730k
-
Steels Cottages Seamans Lane
-
£500k
-
Steels Cottages Seamans Lane
-
£458k
-

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