81A Collins Meadow, Harlow, CM19 4EL

UPRN:10023422700Detached House4 bedsBuilt 2012-2021

FreeholdCouncil Tax: -EPC: C (79)

Data freshness:Listing· freshOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£800,000

£760k - £840kHigh

Estimate

£800k

Range

£760k – £840k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

4.72%

Verdict

Derived from HomePortfolio scores

81A Collins Meadow earns an INVESTIGATE rating with HP Score 78/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (60/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

73/ 100

High

Crime Score

16/ 100

Moderate

Walkability

60/ 100

Moderate

Transit & Bike

Transit 12Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 7 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM +0.0% (HIGH), sold-comps +28.5%, £/sqft +28.5%] → measured edge +0.50pp 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 10 Nov 2026
- valuation_snapshotsestimate for 10023422700· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 11.2%· as of 6 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3150/mo (range 2800-3450)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,190/mo, -38% 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 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 130 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 7 Nov 2026
Risk & liquidity14.6/15
131 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,800-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£519/mo
Cash on cash: -2.3%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 10023422700Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 11.2%Valuation edge · as of 6 Nov 2026
valuation_snapshotsrent estimate 3150/mo (range 2800-3450)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026

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 3150/mo (range 2800-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 130 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£800,000

Rent Estimate (pcm)£3,150

Gross Yield4.72%

1y Growth-

3y Growth+2.5%

5y Growth+3.3%

10y Growth+3.2%

Last Sold Price£400,000 (2021-03-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2CM19 4EL

Approval Rate

50%12mo

Development

low

HW/TP/26/10049
(T1) Oak - Prune back to previous points
Pending
HW/EIAO/26/00427
Environmental Impact Assessment (EIA) Screening Opinion under Regulation 6(1) of the Town and Country Planning (Environmental Impact Assessment) Regulations 2017 (as amended) for demolition of three buildings and structures, namely Building H39 (the Energy Centre), Building SC1 (including link bridge connecting to Building H35), and the Tank Farm. The total floorspace to be demolished comprises approximately 45,000 sqm Gross Internal Area (GIA).
Pending
HW/CND/26/00416
Application for approval of details reserved by condition 5 (Residential Travel Information Pack) of planning permission HW/FUL/24/00309 for demolition of existing bungalow and construction of 4 no. two-bedroom houses with 1 no. three bedroom house with associated off street parking (2 spaces per dwelling), private gardens, bicycle storage (2 spaces per dwelling), refuse & recycling storage to front new landscaping and retention of protected trees
Pending

View Planning Timeline

Ownership

Corporate Ownership61.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-03-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density-

Owner Occupied57%

Age Distribution

0-15 23%16-64 62%65+ 15%

View Area Profile

Schools Nearby

Hare Street Community Primary School and Nursery
0.3 mi
Outstanding
Jerounds Primary Academy
0.6 mi
Good
Katherines Primary Academy and Nursery
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Luke's Catholic Academy
0.6 mi
Good

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

105 Collins Meadow
-
£325k
-
107 Collins Meadow
-
£337k
-
118 Collins Meadow
-
£360k
-
117 Collins Meadow
-
£335k
-

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