60 Garden Fields, Offley, Hitchin, SG5 3DF

UPRN:10023327833Detached House5 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band FEPC: D (62)

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

60 Garden Fields, Offley, Hitchin, SG5 3DF

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£969,000

£921k - £1.02MHigh

Estimate

£969k

Range

£921k – £1.02M

Rent Estimate (pcm)

£3,900

£4k - £4k

Monthly

£3,900

Yield

4.70%

Verdict

Derived from HomePortfolio scores

60 Garden Fields earns an INVESTIGATE rating with HP Score 70/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (24/100). 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

70/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

24/ 100

Low

Transit & Bike

Transit 3Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 -2.7% (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 10023327833· as of 9 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3900/mo (range 3500-4250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,461/mo, -37% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 57 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 11 Nov 2026
Risk & liquidity14.6/15
352 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

£746,000£1,144,000

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£995,000

At the asking price

Monthly rent£3,900/mo

Evidenced range £3,500-£4,250

Interest rate5.4%

Loan to value75%

Cash required: £343,050
Net cash flow: -£658/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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 10023327833Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3900/mo (range 3500-4250)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 3900/mo (range 3500-4250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 57 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£969,000

Rent Estimate (pcm)£3,900

Gross Yield4.70%

1y Growth-9.9%

3y Growth+1.2%

5y Growth+0.7%

10y Growth+2.6%

Last Sold Price£655,000 (2015-12-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3SG5 3DF

Approval Rate

100%12mo

Development

low

26/02737/FPH
Single storey rear extension following demolition of existing rear element. Insertion of rear box dormer and front rooflights.
Pending
26/02691/FPH
Part two storey and part single storey rear extension. Installation of first floor rear window.
Pending
26/02686/FPH
Single storey front, rear and side extension to include conversion of existing garage and store into habitable accommodation.
Pending

View Planning Timeline

Ownership

Corporate Ownership64.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-12-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,703

Population Density95 /km²

Owner Occupied69%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Offley Endowed Primary School and Nursery
0.2 mi
Good
Putteridge High School
2.3 mi
Inspected as Putteridge High School (URN 109685) on 7 Feb 2013
Cockernhoe Endowed CofE Primary School
2.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Putteridge Primary School
2.5 mi
Good

4 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 Garden Fields
-
£400k
-
4 Garden Fields
-
£740k
-
21 Garden Fields
-
£256k
-
43 Garden Fields
-
£500k
-

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