3A Cowbridge, Hertford, SG14 1PG

UPRN:10034624814Flat/Maisonette2 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band BEPC: E (39)

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

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£383,000

£307k - £460kLow

Estimate

£383k

Range

£307k – £460k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

1.90%

Verdict

Derived from HomePortfolio scores

3A Cowbridge earns an INVESTIGATE rating with HP Score 79/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (91/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

91/ 100

Excellent

Transit & Bike

Transit 30Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,200,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £425,050
Net cash flow: -£2,735/mo
Cash on cash: -7.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.47 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£383,000

Rent Estimate (pcm)£1,900

Gross Yield1.90%

1y Growth-

3y Growth+1.2%

5y Growth+1.6%

10y Growth+2.8%

Last Sold Price£750,000 (2005-01-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SG14 1PG

Approval Rate

-12mo

Development

low

X/26/0492/CND
Discharge conditions 4 (details of ventilation), 6 (details of cladding), 7 (details of internal finishes) and 8 (repairs schedule) attached to 3/26/0038/LBC
Pending
X/26/0491/CND
Discharge conditions 3 (basement opening and materials), 4 (landscape), 5 (details of ventilation), 6 (waste) and 7 (cavity drainage details) attached to 3/26/0037/FUL
Pending
3/26/1563/HH
Replacement raised roof with hip to gable extension, front projection gable end to hip to allow for loft conversion with side dormer, roof lights and Juliet balcony to rear
Pending

View Planning Timeline

Ownership

Corporate Ownership60.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-01-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£44,154

Population Density3,511 /km²

Owner Occupied63%

Age Distribution

0-15 14%16-64 66%65+ 20%

View Area Profile

Schools Nearby

Mill Mead Primary Academy
0.1 mi
Inspected as Mill Mead Primary School (URN 117297) on 3 Jun 2025
Duncombe School
0.3 mi
Inspected by ISI
Richard Hale School
0.5 mi
Good
Abel Smith School
0.5 mi
Outstanding

6 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11A Cowbridge
-
£230k
-
11D Cowbridge
-
£180k
-
11D Cowbridge
-
£158k
-
11A Cowbridge
-
£168k
-

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