16 Chanocks Lane, Gilston, Harlow, CM20 2RL

UPRN:10034516089Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (48)

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

16 Chanocks Lane, Gilston, Harlow, CM20 2RL

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£619,000

£557k - £681kMedium

Estimate

£619k

Range

£557k – £681k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

3.78%

Verdict

Derived from HomePortfolio scores

16 Chanocks Lane earns an INVESTIGATE rating with HP Score 58/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (2/100). 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

58/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

2/ 100

Low

Transit & Bike

Transit 40Bike 37

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -59.1% (MEDIUM), sold-comps -76.2%, £/sqft -76.2%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10034516089· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.3%· as of 3 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.91
- valuation_snapshotsrent estimate 3100/mo (range 2850-3300)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,007/mo, -65% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 131 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 & liquidity12.8/15
182 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

£739,000£1,133,000

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£985,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,850-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £339,050
Net cash flow: -£1,178/mo
Cash on cash: -4.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.93 - 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 10034516089Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.3%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 3100/mo (range 2850-3300)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by 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

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 3100/mo (range 2850-3300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 131 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£619,000

Rent Estimate (pcm)£3,100

Gross Yield3.78%

1y Growth-

3y Growth+2.0%

5y Growth+3.3%

10y Growth+2.7%

Last Sold Price£500,000 (2019-10-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1CM20 2RL

Approval Rate

-12mo

Development

low

X/26/0377/CND
Discharge of Condition 3 (External Materials) attached to 3/26/0593/HH
Approved
3/26/0646/LBC
Internal works at basement level: removal of internal walls, creation of two new doorways, relocation of utility room, alterations to pipework and drainage and installation of extraction ventilation unit
Conditions
3/26/0593/HH
Single storey rear extension with green roof and alterations to fenestration
Conditions

View Planning Timeline