Charlotte House, 31B Point Clear Road, St. Osyth, Clacton-on-Sea, CO16 8EP

UPRN:10090659268Semi-Detached House3 bedsBuilt -

FreeholdCouncil Tax: -EPC: B (84)

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

Charlotte House, 31B Point Clear Road, St. Osyth, Clacton-on-Sea, CO16 8EP

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£301,000

£286k - £316kHigh

Estimate

£301k

Range

£286k – £316k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

6.41%

Verdict

Derived from HomePortfolio scores

Charlotte House earns an INVESTIGATE rating with HP Score 49/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (34/100). 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

49/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

72/ 100

Elevated

Walkability

34/ 100

Mixed

Transit & Bike

Transit 7Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [AVM +3.7% (HIGH), sold-comps +22.7%, £/sqft +22.7%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 10090659268· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 20.1%· as of 31 Oct 2026
Rental economics10.7/40
gross yield 6.4%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1550/mo (range 1450-1650)· as of 9 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 3 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -214/mo, -14% 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), 41 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 & liquidity14.6/15
275 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 sensitivity

£217,500£333,500

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£290,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £92,800
Net cash flow: £94/mo
Cash on cash: 1.2%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 10090659268Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 20.1%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1650)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · 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 1550/mo (range 1450-1650)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. 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£301,000

Rent Estimate (pcm)£1,550

Gross Yield6.41%

1y Growth-

3y Growth-3.5%

5y Growth-1.4%

10y Growth+3.7%

Last Sold Price£295,000 (2017-11-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

2CO16 8EP

Approval Rate

100%12mo

Development

low

26/01621/S106
Legal Agreement in relation to RAMS for application reference 26/00060/FUL (Request for Legal Team to PREPARE Agreement).
Pending
26/01620/S106
Legal Agreement in relation to RAMS for application reference 25/01896/FUL (Request for Legal Team to PREPARE Agreement).
Pending
26/01579/AGRIC
Application to determine if prior approved is required under Part 6, Class A of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended) for erection of a general purpose agricultural building.
Rejected

View Planning Timeline

Ownership

Corporate Ownership78.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-11-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

24 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,545

Population Density162 /km²

Owner Occupied59%

Age Distribution

0-15 13%16-64 57%65+ 30%

View Area Profile

Schools Nearby

St Osyth Church of England Primary School
0.8 mi
Good
Brightlingsea Primary School and Nursery
2.1 mi
Good
Sir Martin Frobisher Academy
2.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Colne Community School
2.5 mi
Good

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

View All Schools

Comparables

View All

41 Point Clear Road
-
£280k
-
38 Point Clear Road
-
£435k
-
Lakeside Oaks, 23 Point Clear Road
-
£573k
-
Hill House, 31 Point Clear Road
-
£500k
-

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