11 Milan House, Charrington Place, St. Albans, AL1 3NT

UPRN:10024116185Purpose Built Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band DEPC: C (78)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

11 Milan House, Charrington Place, St. Albans, AL1 3NT

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£439,000

£417k - £461kHigh

Estimate

£439k

Range

£417k – £461k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

8.00%

Verdict

Derived from HomePortfolio scores

11 Milan House earns an INVESTIGATE rating with HP Score 82/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (77/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

15/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 24Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 11 Nov 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 32% 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 edge2.5/15
claims [AVM +31.7% (HIGH), sold-comps +22.3%, £/sqft +22.3%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 10024116185· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.4%· as of 4 Nov 2026
Rental economics21.6/40
gross yield 8.0%; range width penalty ×0.90; the estimate this rent rides on sits 32% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2000/mo (range 1850-2150)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 32% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin3.7/30
stressed cash flow +74/mo, +4% 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 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 253 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
383 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 £240,000

£225,000£345,000

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£300,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,850-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £372/mo
Cash on cash: 4.6%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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 10024116185Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.4%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 2000/mo (range 1850-2150)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 32% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 2000/mo (range 1850-2150)
Rental economics needs verification before you rely on it
sale estimate 32% 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.
2 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £240,000 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£439,000

Rent Estimate (pcm)£2,000

Gross Yield8.00%

1y Growth-1.2%

3y Growth+0.3%

5y Growth+1.2%

10y Growth+2.0%

Last Sold Price£445,000 (2022-11-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL1 3NT

Approval Rate

-12mo

Development

low

26/0585/TCA
Cherry Blossom (T1 & T2) - Height reduction of approx 30%, crown lift and shape. Silver Birch (T1 - T4) - Height reduction of approx 30%, crown lift and shape. Goat Willow (T5) - - Height reduction of approx 30%, crown lift and shape and reduce branches overhanging neighbouring garden.
Pending
26/0584/TCA
T1 Rowan outside flats 28?40. Fell to ground level. The tree shows signs of decline and has previously lost limbs over the car park. T2 Rowan at the car park entrance. Fell to ground level. The tree has a snapped-out limb and shows signs of decline
Pending
26/0579/TCA
There are two lime trees along the inkerman road side of the property. The trees need pollarding regularly to control the size and promote a healthy tree.
Pending

View Planning Timeline

Ownership

Corporate Ownership46.5%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2022-11-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density7,234 /km²

Owner Occupied47%

Age Distribution

0-15 18%16-64 73%65+ 9%

View Area Profile

Schools Nearby

St Alban & St Stephen Catholic Primary School & Nursery
0.3 mi
Inspected as St Alban & St Stephen Catholic Primary School & Nursery (URN 117491) on 7 Nov 2023
St Albans Independent College
0.3 mi
Good
Loreto College
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Peter's School
0.4 mi
Good

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

View All Schools

Comparables

View All

Milan House Charrington Place
-
£436k
-
Milan House Charrington Place
-
£415k
-
Milan House Charrington Place
-
£350k
-
Milan House Charrington Place
-
£480k
-

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