Flat 15, Keystone House, 60 London Road, St. Albans, AL1 1NG

UPRN:10093185449Purpose Built Flat1 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band CEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

Flat 15, Keystone House, 60 London Road, St. Albans, AL1 1NG

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£281,000

£267k - £295kHigh

Estimate

£281k

Range

£267k – £295k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

6.24%

Verdict

Derived from HomePortfolio scores

Flat 15 earns an INVESTIGATE rating with HP Score 71/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (69/100). 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

71/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

38/ 100

Elevated

Walkability

69/ 100

Moderate

Transit & Bike

Transit 35Bike 57

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£250,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £56/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - clears 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£281,000

Rent Estimate (pcm)£1,300

Gross Yield6.24%

1y Growth-39.2%

3y Growth+0.3%

5y Growth+1.2%

10y Growth+2.0%

Last Sold Price£320,000 (2016-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0AL1 1NG

Approval Rate

-12mo

Development

low

TP/2026/0503
Leyland Cypress hedge - reduce to 4 to 5m in height, approximately to the height of the properties guttering. Reduce lateral spread of the cypress hedge by 1 to 1.5m. Laurel hedge - reduce to 2m in height. Hedges overgrown and needs attention. Reduction i
Pending
5/2026/1784
Prior Approval - A non-domestic, flat roof-mounted solar PV installation. 916 modules are designed for the system. Each panel is rated at 455W, totalling a system size of 416.78kW
Pending
TP/2026/0498
To reduce the Beech tree in our back garden by approximately 20%
Pending

View Planning Timeline

Ownership

Corporate Ownership46.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density11,159 /km²

Owner Occupied61%

Age Distribution

0-15 17%16-64 75%65+ 8%

View Area Profile

Schools Nearby

The Abbey Church of England Voluntary Aided Primary School, St Albans
0.3 mi
Good
St Albans Independent College
0.3 mi
Good
St Albans School
0.3 mi
Inspected by ISI
Aboyne Lodge Junior Mixed and Infant School
0.3 mi
Good

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Keystone House, 60 London Road
-
£283k
-
58 London Road
-
£253k
-
Keystone House, 60 London Road
-
£265k
-
68A - 68C London Road
-
£430k
-

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