44 Chiltern Avenue, Bushey, WD23 4RG

UPRN:10013017927Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: D (64)

Data freshness:Ownership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£908,000

£863k - £954kHigh

Estimate

£908k

Range

£863k – £954k

Rent Estimate (pcm)

£3,700

£3k - £4k

Monthly

£3,700

Yield

4.93%

Verdict

Derived from HomePortfolio scores

44 Chiltern Avenue earns an INVESTIGATE rating with HP Score 75/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

59/ 100

Moderate

Transit & Bike

Transit 15Bike 33

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 edge0/15
claims [AVM +0.9% (HIGH)] → measured edge +0.00pp 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 9 Nov 2026
- valuation_snapshotsestimate for 10013017927· as of 9 Nov 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3700/mo (range 3350-4050)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,207/mo, -33% 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), 123 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 & liquidity14.6/15
251 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

£675,000£1,035,000

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£899,950

At the asking price

Monthly rent£3,700/mo

Evidenced range £3,350-£4,050

Interest rate5.4%

Loan to value75%

Cash required: £306,283
Net cash flow: -£476/mo
Cash on cash: -1.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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 10013017927Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3700/mo (range 3350-4050)Rental economics · as of 9 Nov 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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3700/mo (range 3350-4050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 123 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. 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£908,000

Rent Estimate (pcm)£3,700

Gross Yield4.93%

1y Growth-2.2%

3y Growth-1.1%

5y Growth+0.6%

10y Growth+1.5%

Last Sold Price£455,000 (2005-02-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2WD23 4RG

Approval Rate

100%12mo

Development

low

26/1598/TRC
T1-Conifer to fell to stump level as it is in decline and is dying.
Pending
26/1560/HSE
Erection of single storey rear extension to include new terrace and steps with handrailing; relocation of existing gate; creation of new manhole and installation of new channel drain.
Pending
26/1553/TRC
Mixed species (G1) - Including cherry laurel, lilac, buddleia, holly and privet. The lower portion of the hedge shall be pruned back to the boundary line to provide a minimum clear headroom of 2.4m above the finished surface of the public footpath. All low-hanging branches and lateral growth shall be pruned as to achieve the required clearance.
Pending

View Planning Timeline

Ownership

Corporate Ownership71.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-02-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,159

Population Density5,203 /km²

Owner Occupied79%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Little Reddings Primary School
0.3 mi
Good
Meadow Wood School
0.3 mi
Good
Bushey Meads School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Ashfield Junior School
0.4 mi
GoodConcerns

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

82 Chiltern Avenue
-
£1.00M
-
68A Chiltern Avenue
-
£611k
-
82 Chiltern Avenue
-
£625k
-
66A Chiltern Avenue
-
£526k
-

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