156 Mosaic House, Midland Road, Hemel Hempstead, HP2 5YQ

UPRN:10023958505Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: B (82)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

156 Mosaic House, Midland Road, Hemel Hempstead, HP2 5YQ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£247,000

£234k - £259kHigh

Estimate

£247k

Range

£234k – £259k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

9.47%

Verdict

Derived from HomePortfolio scores

156 Mosaic House earns an INVESTIGATE rating with HP Score 62/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

90/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 26Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

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

Check before relying on this score: the estimate sits 23% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +23.1% (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 Oct 2026
- valuation_snapshotsestimate for 10023958505· as of 9 Oct 2026
Rental economics35.8/40
gross yield 9.5%; range width penalty ×1.00; the estimate this rent rides on sits 23% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1500/mo (range 1400-1550)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin11.4/30
stressed cash flow +171/mo, +11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 93 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 30 Oct 2026
Risk & liquidity14.6/15
337 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 sensitivityScores 70+ up to £176,000

£142,500£218,500

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£190,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £397/mo
Cash on cash: 8.0%
Score at this price: 62

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.34 - clears 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 10023958505Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1550)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 1500/mo (range 1400-1550)
Rental economics needs verification before you rely on it
sale estimate 23% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £176,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£247,000

Rent Estimate (pcm)£1,500

Gross Yield9.47%

1y Growth-

3y Growth-0.2%

5y Growth+1.3%

10y Growth+2.4%

Last Sold Price£140,000 (2012-10-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HP2 5YQ

Approval Rate

-12mo

Development

low

26/02342/FUL
Replacement insulated render system and timber decking on the external balconies.
Pending
26/02334/FUL
Part single-storey, part two-storey rear extension to allow for a larger flat on the first floor.
Pending
26/02335/RPB
Change of use of the ground floor from shop (Use Class E) to 1 flats (Class C3) .
Pending

View Planning Timeline

Ownership

Corporate Ownership56.6%
Overseas OwnershipNo
Lease Term Remaining140 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2012-10-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,473

Population Density-

Owner Occupied48%

Age Distribution

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

View Area Profile

Schools Nearby

George Street Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Collett School
0.4 mi
Good
Lockers Park School
0.4 mi
Inspected by ISI
Gade Valley Primary School
0.4 mi
Good

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Mosaic House Midland Road
-
£300k
-
Mosaic House Midland Road
-
£285k
-
Mosaic House Midland Road
-
£253k
-
Mosaic House Midland Road
-
£275k
-

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