109 Broad Street, Chesham, HP5 3EF

UPRN:10013782767Terrace Property4 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: B (86)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£572,000

£544k - £601kHigh

Estimate

£572k

Range

£544k – £601k

Rent Estimate (pcm)

£2,400

£2k - £3k

Monthly

£2,400

Yield

5.01%

Verdict

Derived from HomePortfolio scores

109 Broad Street earns an INVESTIGATE rating with HP Score 80/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (81/100). 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

80/ 100

Strong

Investment Score

70/ 100

High

Crime Score

26/ 100

Moderate

Walkability

81/ 100

High

Transit & Bike

Transit 29Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 -0.5% (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 14 Nov 2026
- valuation_snapshotsestimate for 10013782767· as of 14 Nov 2026
Rental economics0.1/40
gross yield 5.0%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2400/mo (range 2150-2600)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -792/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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 94 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 10 Nov 2026
Risk & liquidity14.6/15
226 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

£431,000£661,000

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£575,000

At the asking price

Monthly rent£2,400/mo

Evidenced range £2,150-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: -£279/mo
Cash on cash: -1.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - 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 10013782767Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 2400/mo (range 2150-2600)Rental economics · as of 14 Nov 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

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 2400/mo (range 2150-2600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 94 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£572,000

Rent Estimate (pcm)£2,400

Gross Yield5.01%

1y Growth-

3y Growth+3.4%

5y Growth+2.5%

10y Growth+3.4%

Last Sold Price£481,600 (2020-12-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0HP5 3EF

Approval Rate

-12mo

Development

low

PL/26/08617/FA
Alterations to ground floor front elevation
Pending
PL/26/09007/KA
Ash Tree - T1 - crown reduction by approximately 2 metres and removal of deadwood
Pending
PL/26/07961/PAPCR
Prior Notification under Class MA of Part 3, Schedule 2 of the Town and Country Planning (General Permitted Development) (England) Order 2015 for conversion of commercial, business and service use to 6 self-contained flats
Pending

View Planning Timeline

Ownership

Corporate Ownership64.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-12-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,937

Population Density4,808 /km²

Owner Occupied53%

Age Distribution

0-15 20%16-64 66%65+ 14%

View Area Profile

Schools Nearby

Elmtree Infant and Nursery School
0.3 mi
Inspected as Elmtree Infant and Nursery School (URN 110309) on 14 Nov 2017
Newtown School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Chesham Grammar School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Heritage House School
0.5 mi
-

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

View All Schools

Comparables

View All

127B Broad Street
-
£181k
-
127B Broad Street
-
£138k
-
127A Broad Street
-
£128k
-
127A Broad Street
-
£128k
-

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