Pelham Lodge, Hacton Lane, Upminster, RM14 2YE

UPRN:10033420221Detached Bungalow4 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band FEPC: G (12)

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

Pelham Lodge, Hacton Lane, Upminster, RM14 2YE

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£1,159,000

£1.04M - £1.27MMedium

Estimate

£1.16M

Range

£1.04M – £1.27M

Rent Estimate (pcm)

£3,400

£3k - £4k

Monthly

£3,400

Yield

5.44%

Verdict

Derived from HomePortfolio scores

Pelham Lodge earns an INVESTIGATE rating with HP Score 79/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (71/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

71/ 100

High

Transit & Bike

Transit 5Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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 35% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +35.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10033420221· as of 13 Oct 2026
Rental economics2.3/40
gross yield 5.4%; range width penalty ×0.64; the estimate this rent rides on sits 35% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3400/mo (range 2900-3850)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 35% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -795/mo, -23% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 & liquidity12.9/15
254 sales/12mo in area; valuation range width 20%
- 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

£581,000£862,500

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£750,000

At the asking price

Monthly rent£3,400/mo

Evidenced range £2,900-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£177/mo
Cash on cash: -0.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.34 - 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 10033420221Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3400/mo (range 2900-3850)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 35% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 11 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 3400/mo (range 2900-3850)
Rental economics needs verification before you rely on it
sale estimate 35% 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. 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£1,159,000

Rent Estimate (pcm)£3,400

Gross Yield5.44%

1y Growth-

3y Growth-1.5%

5y Growth-0.4%

10y Growth+1.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2RM14 2YE

Approval Rate

-12mo

Development

low

N0038.26
Application for a non-material amendment to planning permission ref: P0790.24 dated 31/07/2024 to allow for garage to be altered to a study and replace garage door with a window (Two storey side extension and single storey rear extension)
Pending
P1244.26
Single storey rear extension (Retrospective).
Pending
P1238.26
Erection of a single-storey detached outbuilding for use as a home gym, fitness suite and incidental leisure space
Pending

View Planning Timeline

Ownership

Corporate Ownership59.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

23 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,726

Population Density-

Owner Occupied94%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

Branfil Primary School
0.3 mi
Good
Hacton Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Suttons Primary School
0.6 mi
Good
Sanders Draper
0.7 mi
Good

5 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Orchard, 161 Hacton Lane
-
£1.07M
-
The Orchard, 161 Hacton Lane
-
£658k
-
The Sorrells, 161B Hacton Lane
-
£540k
-
The Orchard, 161 Hacton Lane
-
£560k
-

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