2 Scotts Cottages, Retreat Way, Chigwell, IG7 6EL

UPRN:100091247751Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (65)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

2 Scotts Cottages, Retreat Way, Chigwell, IG7 6EL

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£545,000

£518k - £573kHigh

Estimate

£545k

Range

£518k – £573k

Rent Estimate (pcm)

£2,750

£3k - £3k

Monthly

£2,750

Yield

7.33%

Verdict

Derived from HomePortfolio scores

2 Scotts Cottages earns an INVESTIGATE rating with HP Score 68/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (43/100). 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 NationsMarket 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

68/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

43/ 100

Mixed

Transit & Bike

Transit 7Bike 32

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£450,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,550-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £385/mo
Cash on cash: 3.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.81 - 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£545,000

Rent Estimate (pcm)£2,750

Gross Yield7.33%

1y Growth+1.6%

3y Growth+0.0%

5y Growth+1.0%

10y Growth+2.4%

Last Sold Price£365,000 (2016-07-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1IG7 6EL

Approval Rate

-12mo

Development

low

EPF/2105/26
Front, rear and side extension.
Pending
EPF/1959/26
Certificate of Lawfulness to confirm the lawful implementation of planning permission EPF/0834/22 by the carrying out of a material operation, namely the excavation of foundation trenches and pouring of foundations, commenced on 25th August 2026, before the expiry of the permission.
Pending
EPF/1913/26
Certificate of Lawful Development for existing use of land for parking and domestic storage ancillary to residential use.
Pending

View Planning Timeline

Ownership

Corporate Ownership63.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-07-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density622 /km²

Owner Occupied80%

Age Distribution

0-15 17%16-64 57%65+ 26%

View Area Profile

Schools Nearby

Chigwell Row Infant School
0.3 mi
Good
Coppice Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wells Park School
0.7 mi
Inspected as Wells Park School (URN 115450) on 22 Nov 2016
Forest Academy
0.8 mi
Good

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

53 Retreat Way
-
£332k
-
Scotts Cottages Retreat Way
-
£590k
-
8 Retreat Way
-
£533k
-
44 Retreat Way
-
£300k
-

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