61–63 Churchgate Street, Harlow, CM17 0JT

UPRN:10023425149End Terrace House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: D (68)

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

61–63 Churchgate Street, Harlow, CM17 0JT

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£597,000

£567k - £627kHigh

Estimate

£597k

Range

£567k – £627k

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

5.40%

Verdict

Derived from HomePortfolio scores

61–63 Churchgate Street earns an INVESTIGATE rating with HP Score 63/100. Investment score 49/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (30/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

23/ 100

Moderate

Walkability

30/ 100

Mixed

Transit & Bike

Transit 15Bike 55

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£600,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,450-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£156/mo
Cash on cash: -0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - clears 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£597,000

Rent Estimate (pcm)£2,700

Gross Yield5.40%

1y Growth-

3y Growth+0.2%

5y Growth+0.6%

10y Growth+2.2%

Last Sold Price£380,000 (2006-11-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CM17 0JT

Approval Rate

-12mo

Development

low

HW/HSE/26/00426
Retrospective application for retention of the front porch canopy, black cladding and beige tiles to the front elevation
Pending
HW/CND/26/00388
Application for approval of details reserved by condition 2 (Arboricultural Method Statement) of planning permission HW/HSE/26/00257 for erection of a single-storey detached garden outbuilding to the rear of the property
Conditions
HW/PALHE/26/00384
Erection of a single storey rear extension
Approved

View Planning Timeline

Ownership

Corporate Ownership68%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-11-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density822 /km²

Owner Occupied67%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

Churchgate Church of England Voluntary Aided Primary School, Harlow
0.2 mi
Good
Saint Nicholas School
0.3 mi
Inspected by ISI
Harlowbury Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Fawbert and Barnard's Primary School
0.7 mi
Good

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Churchgate Manor Hotel Churchgate Street
-
£1.64M
-
29 Churchgate Street
-
£550k
-
Churchgate House Churchgate Street
-
£945k
-
Dove Cottage, 21 Churchgate Street
-
£645k
-

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