Springfield Farm, Lippitts Hill, Loughton, IG10 4AL

UPRN:10012159822Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Listing· freshOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Springfield Farm, Lippitts Hill, Loughton, IG10 4AL

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£3,353,000

£2.68M - £4.02MLow

Estimate

£3.35M

Range

£2.68M – £4.02M

Rent Estimate (pcm)

£11,550

£10k - £13k

Monthly

£11,550

Yield

7.11%

Verdict

Derived from HomePortfolio scores

Springfield Farm earns an INVESTIGATE rating with HP Score 51/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (15/100). 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 SourcesPortal 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

51/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

59/ 100

Elevated

Walkability

15/ 100

Low

Transit & Bike

Transit 45Bike 29

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics13.2/40
gross yield 7.1%; range width penalty ×0.78; the estimate this rent rides on sits 42% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 11550/mo (range 10350-12750)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin1.1/30
stressed cash flow +133/mo, +1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026
Risk & liquidity9.2/15
290 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£1,950,000

At the asking price

Monthly rent£11,550/mo

Evidenced range £10,350-£12,750

Interest rate5.4%

Loan to value75%

Cash required: £734,050
Net cash flow: £1,415/mo
Cash on cash: 2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.75 - 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_snapshotsrent estimate 11550/mo (range 10350-12750)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 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
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 11550/mo (range 10350-12750)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£3,353,000

Rent Estimate (pcm)£11,550

Gross Yield7.11%

1y Growth-

3y Growth+2.0%

5y Growth-0.5%

10y Growth+1.6%

Last Sold Price£1,250,000 (2005-07-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

10IG10 4AL

Approval Rate

80%12mo

Development

low

EPF/2031/26
Advertisement consent for signage and external lighting.
Pending
EPF/2057/26
Grade II Listed Buiilding consent for signage and external lighting, and repainting.
Pending
EPF/1716/26
Upwards extension to create first floor.
Rejected

View Planning Timeline

Ownership

Corporate Ownership52.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-07-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density123 /km²

Owner Occupied77%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

High Beech CofE Primary School
0.7 mi
Good
Hawkswood Primary PRU
1.3 mi
Outstanding
Hawkswood Therapeutic
1.3 mi
Report card2025
Ofsted no longer awards a single overall grade.
Oaklands School
1.4 mi
Inspected by ISI

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

View All Schools

Comparables

View All

The Owl Lippitts Hill
-
£1.05M
-
Pipers Farm Lippitts Hill
-
£895k
-
Tree Tops Lippitts Hill
-
£700k
-
Tree Tops Lippitts Hill
-
£550k
-

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