22 The Avenue, Saffron Walden, CB11 4GE

UPRN:10023915663Detached House4 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band FEPC: B (81)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£932,000

£885k - £978kHigh

Estimate

£932k

Range

£885k – £978k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

3.84%

Verdict

Derived from HomePortfolio scores

22 The Avenue earns an INVESTIGATE rating with HP Score 64/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (0/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 32Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 -7.3% (HIGH), sold-comps -56.2%, £/sqft -56.3%] → 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 Oct 2026
- valuation_snapshotsestimate for 10023915663· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 12.4%· as of 4 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.73
- valuation_snapshotsrent estimate 3200/mo (range 2850-3600)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,997/mo, -62% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 67 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 5 Nov 2026
Risk & liquidity14.6/15
199 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

£750,000£1,150,000

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£1,000,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,850-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£1,160/mo
Cash on cash: -4.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.95 - 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 10023915663Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 12.4%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3600)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 3200/mo (range 2850-3600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 67 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£932,000

Rent Estimate (pcm)£3,200

Gross Yield3.84%

1y Growth-

3y Growth-0.7%

5y Growth+0.2%

10y Growth+2.0%

Last Sold Price£593,950 (2014-06-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CB11 4GE

Approval Rate

-12mo

Development

low

UTT/26/2797/TCA
Reduce crown height of 1no. Wellingtonia by 6-8 Meters
Pending
UTT/26/2759/NMA
Non-Material Amendment to UTT/25/2450/HHF - Adding solar panels to roof.
Pending
UTT/26/2741/CLE
Certificate of Lawfulness for the commercial use for personal training and small groups comprising a main gym within a detached single storey outbuilding situated on the Southern boundary
Pending

View Planning Timeline

Ownership

Corporate Ownership69.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-06-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,006

Population Density-

Owner Occupied73%

Age Distribution

0-15 21%16-64 60%65+ 19%

View Area Profile

Schools Nearby

St Thomas More Catholic Primary School, Saffron Walden
0.4 mi
Good
R A Butler Infant School
0.4 mi
Inspected as R A Butler Infant School (URN 115303) on 11 Dec 2007
R A Butler Junior School
0.4 mi
OutstandingImproving
Saffron Walden County High School
0.4 mi
Outstanding

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

View All Schools

Comparables

View All

8 The Avenue
-
£350k
-
8 The Avenue
-
£350k
-
2 The Avenue
-
£648k
-
8 The Avenue
-
£299k
-

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