3 Stepped Gable Mews, High Wych Lane, High Wych, Sawbridgeworth, CM21 0JL

UPRN:10023084678Terrace Property2 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band EEPC: C (79)

Data freshness:Listing· freshOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

3 Stepped Gable Mews, High Wych Lane, High Wych, Sawbridgeworth, CM21 0JL

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£744,000

£707k - £782kHigh

Estimate

£744k

Range

£707k – £782k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.80%

Verdict

Derived from HomePortfolio scores

3 Stepped Gable Mews earns an INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (25/100). 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 NationsMarket 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

69/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

25/ 100

Low

Transit & Bike

Transit 4Bike 48

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 -0.8% (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 10023084678· as of 14 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.83
- valuation_snapshotsrent estimate 3000/mo (range 2700-3250)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,089/mo, -36% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 100 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 9 Nov 2026
Risk & liquidity14.6/15
107 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

£562,500£862,500

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£750,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,700-£3,250

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£454/mo
Cash on cash: -2.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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 10023084678Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 3000/mo (range 2700-3250)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 3000/mo (range 2700-3250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 100 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£744,000

Rent Estimate (pcm)£3,000

Gross Yield4.80%

1y Growth-

3y Growth-2.6%

5y Growth+2.0%

10y Growth+2.6%

Last Sold Price£365,000 (2011-12-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3CM21 0JL

Approval Rate

0%12mo

Development

low

3/26/1379/FUL
Installation of solar roof and ground level panels to separate dwelling, relocated from Bakers Farm with associated equipment, meters, cabling and ancillary infrastructure, alterations to the existing chimney, construction of a new access driveway, erection of fencing and new gate to access way, installation of services to the new dwelling
Pending
3/26/1273/FUL
Conversion of the existing temporary stoned parking area into a permanent 79 space car parking with new lighting
Pending
3/26/0999/HH
Porch to front elevation
Conditions

View Planning Timeline