35 Rivers House, 129 Springfield Road, Chelmsford, CM2 6JL

UPRN:10091491237Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band DEPC: D (57)

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

35 Rivers House, 129 Springfield Road, Chelmsford, CM2 6JL

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£249,000

£237k - £262kHigh

Estimate

£249k

Range

£237k – £262k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

6.48%

Verdict

Derived from HomePortfolio scores

35 Rivers House earns an INVESTIGATE rating with HP Score 49/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (47/100). 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 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

49/ 100

Mixed

Investment Score

55/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

47/ 100

Mixed

Transit & Bike

Transit 29Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 30 Oct 2026

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

Valuation edge2.3/15
claims [AVM -0.4% (HIGH), sold-comps +2.7%, £/sqft +2.8%] → measured edge +0.45pp 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 10 Oct 2026
- valuation_snapshotsestimate for 10091491237· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%· as of 3 Nov 2026
Rental economics10.7/40
gross yield 6.5%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1350/mo (range 1250-1450)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -343/mo, -25% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 155 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 30 Oct 2026
Risk & liquidity14.6/15
651 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

£187,500£287,500

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£250,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £91/mo
Cash on cash: 1.4%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - 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 10091491237Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1350/mo (range 1250-1450)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1350/mo (range 1250-1450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 155 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. 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£249,000

Rent Estimate (pcm)£1,350

Gross Yield6.48%

1y Growth-10.3%

3y Growth+0.6%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price£252,500 (2016-03-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0CM2 6JL

Approval Rate

-12mo

Development

low

26/01392/ADV
Proposed non-illuminated signage to existing building
Pending
26/01425/FUL
Proposed ancillary annexe
Pending
26/01369/FUL
Retrospective application for the change of use of rear service and parking area to an enclosed outdoor play and learning area ancillary to the ground floor day nursery. Retention of timber pergola structures, artificial plant screening, artificial grass surfacing, timber boundary fencing and privacy screening, and buggy store. Retention of security shutter to front entrance. Proposed provision of two car parking spaces, secure cycle parking for bicycles, installation of fabric shade sails beneath the pergola and a proposed bin store.
Pending

View Planning Timeline

Ownership

Corporate Ownership53.9%
Overseas OwnershipNo
Lease Term Remaining187 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-03-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,791

Population Density-

Owner Occupied46%

Age Distribution

0-15 13%16-64 70%65+ 17%

View Area Profile

Schools Nearby

The Cathedral Church of England Voluntary Aided Primary School, Chelmsford
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Trinity Road Primary School
0.3 mi
-
Anglia Ruskin University
0.4 mi
-
High Trees
0.6 mi
-

5 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Rivers House, 129 Springfield Road
-
£259k
-
Rivers House, 129 Springfield Road
-
£270k
-
Rivers House, 129 Springfield Road
-
£260k
-
Rivers House, 129 Springfield Road
-
£195k
-

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