14 Joseph Court, Writtle Road, Chelmsford, CM1 3WQ

UPRN:10013264251Purpose Built Flat2 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: Band CEPC: C (70)

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

14 Joseph Court, Writtle Road, Chelmsford, CM1 3WQ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£224,000

£213k - £235kHigh

Estimate

£224k

Range

£213k – £235k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

7.80%

Verdict

Derived from HomePortfolio scores

14 Joseph Court earns an INVESTIGATE rating with HP Score 66/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (65/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

54/ 100

Elevated

Walkability

65/ 100

Moderate

Transit & Bike

Transit 21Bike 63

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£199,950

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,250-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £62,785
Net cash flow: £225/mo
Cash on cash: 4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.93 - 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£224,000

Rent Estimate (pcm)£1,300

Gross Yield7.80%

1y Growth-

3y Growth+0.4%

5y Growth+1.1%

10y Growth+2.7%

Last Sold Price£245,000 (2007-10-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM1 3WQ

Approval Rate

-12mo

Development

low

26/01362/CLOPUD
Proposed loft conversion to habitable space including hip to gable roof enlargement and construction of a rear dormer, installation of two front facing rooflights and glazed guarding to the rear dormer opening. Alterations to the existing fenestration and external doors.
Pending
26/05702/CAT
3x Lime (marked T1, T2 and T3 on plan) - cut back by 2.5m. Reason - to stop debris falling onto cars parked below.
Pending
26/01429/FUL
Proposed substation with an external metal staircase to the first floor and a new doorway to be formed.
Pending

View Planning Timeline