5 Elms Court, Maunds Hatch, Harlow, CM18 7JU

UPRN:1003388608Flat/Maisonette2 bedsBuilt 1991-1995

LeaseholdCouncil Tax: -EPC: C (73)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

5 Elms Court, Maunds Hatch, Harlow, CM18 7JU

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£224,000

£213k - £235kHigh

Estimate

£224k

Range

£213k – £235k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

9.21%

Verdict

Derived from HomePortfolio scores

5 Elms Court earns an INVESTIGATE rating with HP Score 64/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (48/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

43/ 100

Elevated

Walkability

48/ 100

Mixed

Transit & Bike

Transit 11Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 3 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +4.0% (HIGH), sold-comps +3.6%, £/sqft +3.7%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 1003388608· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%· as of 1 Nov 2026
Rental economics33.7/40
gross yield 9.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1650/mo (range 1600-1750)· as of 12 Oct 2026· verify before relying on this
Stress margin4.8/30
stressed cash flow +79/mo, +5% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); passes the stress
- listing_factsservice charge / ground rent from the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 53 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 3 Nov 2026
Risk & liquidity14.7/15
206 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 £183,000

£161,000£247,000

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£215,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,600-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £67,600
Net cash flow: £417/mo
Cash on cash: 7.4%
Score at this price: 56

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.27 - 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 1003388608Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1650/mo (range 1600-1750)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 1650/mo (range 1600-1750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 53 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 →flood, subsidence, crime, environment - the full domain

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. Set your walk-away price before viewing - above £183,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£224,000

Rent Estimate (pcm)£1,650

Gross Yield9.21%

1y Growth+12.4%

3y Growth+1.3%

5y Growth+2.9%

10y Growth+3.1%

Last Sold Price£177,500 (2007-07-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CM18 7JU

Approval Rate

-12mo

Development

low

HW/HSE/26/00407
Proposed front access ramp
Pending
HW/LDCP/26/00386
Proposed use of the existing dwelling for supported living and care to be provided to young adults between the ages of 16-25
Pending
HW/HSE/26/00265
Construction of a side extension with associated Internal and external Works
Pending

View Planning Timeline

Ownership

Corporate Ownership59.8%
Overseas OwnershipNo
Lease Term Remaining105 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2007-07-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density5,768 /km²

Owner Occupied50%

Age Distribution

0-15 24%16-64 62%65+ 14%

View Area Profile

Schools Nearby

Longwood Primary Academy
0.1 mi
Good
St James Church of England Primary School
0.2 mi
Good
Stewards Academy - Science Specialist, Harlow
0.3 mi
Requires improvementConcerns
Beckmead Moundwood Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Elms Court Commonside Road
-
£222k
-
Elms Court Commonside Road
-
£205k
-
Elms Court Commonside Road
-
£185k
-
Elms Court Commonside Road
-
£190k
-

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