3 David Harrowell House, St Johns Road, Arlesey, SG15 6QY

UPRN:10012431901Purpose Built Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band BEPC: C (78)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 David Harrowell House, St Johns Road, Arlesey, SG15 6QY

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

£222,000

£211k - £233kHigh

Estimate

£222k

Range

£211k – £233k

Rent Estimate (pcm)

£450

£400 - £550

Monthly

£450

Yield

2.57%

Verdict

Derived from HomePortfolio scores

3 David Harrowell House earns an INVESTIGATE rating with HP Score 70/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (35/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 8Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0.2/15
claims [AVM +5.4% (HIGH), sold-comps +0.5%, £/sqft +0.3%] → measured edge +0.05pp 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 13 Oct 2026
- valuation_snapshotsestimate for 10012431901· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 12.2%· as of 8 Nov 2026
Rental economics0/40
gross yield 2.6%; range width penalty ×0.53
- valuation_snapshotsrent estimate 450/mo (range 400-550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -685/mo, -152% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 151 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
75 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

£157,500£241,500

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£210,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£550

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: -£397/mo
Cash on cash: -7.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.63 - 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 10012431901Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 12.2%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 450/mo (range 400-550)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 · verify before relying on this
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 450/mo (range 400-550)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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.
3. 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£222,000

Rent Estimate (pcm)£450

Gross Yield2.57%

1y Growth+43.6%

3y Growth+2.5%

5y Growth+3.4%

10y Growth+3.8%

Last Sold Price£97,500 (2023-07-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SG15 6QY

Approval Rate

-12mo

Development

low

CB/26/03112/LDCP
Lawful Development Certificate Proposed. Loft conversion with rear dormer including 3 rooflights to the front roof slope.
Pending
CB/26/02829/SDOC
Discharge of Section 106 Agreement obligations attached to planning permission CB/23/03541/OUT. Discharge of Part 6 of Schedule 1
Pending
CB/26/01904/NMA
Non-material amendment to planning permission Non-material amendment to planning permission CB/23/03541/OUT Amendment sought: Non material amendment to the description of development to remove the reference to a 64-bed care home and instead just reference a care home.
Approved

View Planning Timeline