28 St Ann's Road, Southend-on-Sea, SS2 5AU

UPRN:10012149173Terrace Property5 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

28 St Ann's Road, Southend-on-Sea, SS2 5AU

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£315,000

£300k - £331kHigh

Estimate

£315k

Range

£300k – £331k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

4.80%

Verdict

Derived from HomePortfolio scores

28 St Ann's Road earns an INVESTIGATE rating with HP Score 57/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (89/100). 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

57/ 100

Mixed

Investment Score

65/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 38Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-1.6/15
claims [AVM -27.0% (HIGH), sold-comps -35.6%, £/sqft -35.6%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10012149173· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 11.2%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1450-1700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -642/mo, -40% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 4 Nov 2026
Risk & liquidity14.7/15
402 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

£300,000£460,000

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£400,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: -£242/mo
Cash on cash: -2.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below 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 10012149173Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 11.2%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1600/mo (range 1450-1700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1600/mo (range 1450-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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. 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£315,000

Rent Estimate (pcm)£1,600

Gross Yield4.80%

1y Growth-20.8%

3y Growth+1.4%

5y Growth+2.4%

10y Growth+3.8%

Last Sold Price£240,000 (2018-03-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

4SS2 5AU

Approval Rate

100%12mo

Development

low

26/01414/AD
Application for approval of details pursuant to condition 10 (site remediation scheme and risk assessment) of planning permission 25/00191/FUL dated 19/06/2025
Pending
26/01389/FUL
Erect two storey building for use as MOT testing station (Class B2), including vehicle testing bays, associated office accommodation, parking, access and ancillary works
Pending
26/01385/BC3
Extend existing Civic Centre East car park onto former Civic 2 site, install 9no. electric vehicle charging points serving 16 EV parking spaces including 2no. accessible bays with associated feeder pillars, signage, drainage, surfacing, line marking and ancillary infrastructure
Pending

View Planning Timeline

Ownership

Corporate Ownership54%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-03-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,594

Population Density-

Owner Occupied18%

Age Distribution

0-15 27%16-64 66%65+ 7%

View Area Profile

Schools Nearby

South Essex College of Further and Higher Education
0.3 mi
-
St Mary's, Prittlewell, CofE Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bournemouth Park Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Porters Grange Primary School and Nursery
0.4 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

26A St Anns Road
-
£188k
-
22 St Anns Road
-
£300k
-
90 St Anns Road
-
£319k
-
70 St Anns Road
-
£255k
-

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