3 Spencer Close, Radlett, WD7 8QZ

UPRN:10013911099Detached House5 bedsBuilt 2012-2021

FreeholdCouncil Tax: -EPC: B (81)

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

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£2,499,000

£2.37M - £2.62MHigh

Estimate

£2.50M

Range

£2.37M – £2.62M

Rent Estimate (pcm)

£7,900

£7k - £9k

Monthly

£7,900

Yield

3.79%

Verdict

Derived from HomePortfolio scores

3 Spencer Close earns an INVESTIGATE rating with HP Score 75/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (56/100). 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)Defra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

56/ 100

Moderate

Transit & Bike

Transit 8Bike 32

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range

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£2,500,000

At the asking price

Monthly rent£7,900/mo

Evidenced range £7,000-£8,800

Interest rate5.4%

Loan to value75%

Cash required: £965,050
Net cash flow: -£2,968/mo
Cash on cash: -3.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - below 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£2,499,000

Rent Estimate (pcm)£7,900

Gross Yield3.79%

1y Growth-

3y Growth-2.5%

5y Growth-1.5%

10y Growth+0.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WD7 8QZ

Approval Rate

-12mo

Development

low

26/1552/CLP
Single storey rear extension. Certificate of lawful development (Proposed).
Pending
26/1495/TPO
T9 Silver Birch Tree - fell
Pending
26/1523/HSE
First floor front extension and conversion of loft to habitable space with hip-to-gable roof alterations to include rear dormer and insertion of 2x front roof lights.
Pending

View Planning Timeline