Springwood House, 20 Springwood Walk, St. Albans, AL4 9UN

UPRN:10093186238Detached House3 bedsBuilt 2024

FreeholdCouncil Tax: Band GEPC: B (83)

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

Springwood House, 20 Springwood Walk, St. Albans, AL4 9UN

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£1,080,000

£1.03M - £1.13MHigh

Estimate

£1.08M

Range

£1.03M – £1.13M

Rent Estimate (pcm)

£3,850

£3k - £4k

Monthly

£3,850

Yield

4.02%

Verdict

Derived from HomePortfolio scores

Springwood House earns an INVESTIGATE rating with HP Score 78/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (55/100). 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 NationsMarket 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

78/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 19Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -6.5% (HIGH), sold-comps -8.6%, £/sqft -8.6%] → measured edge +0.00pp 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 10093186238· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.7%· as of 9 Nov 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.73
- valuation_snapshotsrent estimate 3850/mo (range 3400-4300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,152/mo, -56% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 298 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 4 Nov 2026
Risk & liquidity14.6/15
244 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

£862,500£1,322,500

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£1,150,000

At the asking price

Monthly rent£3,850/mo

Evidenced range £3,400-£4,300

Interest rate5.4%

Loan to value75%

Cash required: £405,050
Net cash flow: -£1,216/mo
Cash on cash: -3.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - 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 10093186238Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.7%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3850/mo (range 3400-4300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 3850/mo (range 3400-4300)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 298 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
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£1,080,000

Rent Estimate (pcm)£3,850

Gross Yield4.02%

1y Growth+11.0%

3y Growth-3.1%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price£975,000 (2008-07-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2AL4 9UN

Approval Rate

100%12mo

Development

low

5/2026/1777
Prior Notification - Single storey rear extension 3.0m in height x 6.0m in depth with 2.70m height to eaves
Pending
5/2026/1707
Single storey front extension.
Pending
5/2026/1696
Single storey side and rear extension with new patio area
Pending

View Planning Timeline

Ownership

Corporate Ownership63.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-07-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied79%

Age Distribution

0-15 22%16-64 55%65+ 23%

View Area Profile

Schools Nearby

St John Fisher Catholic Primary School, a Voluntary Academy
0.2 mi
Inspected as St John Fisher Roman Catholic Primary School (URN 117480) on 28 Feb 2017
Skyswood Primary & Nursery School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Oakwood Primary School
0.5 mi
Good
Sandringham School
0.5 mi
Outstanding

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

View All Schools

Comparables

View All

9 Springwood Walk
-
£1.15M
-
8 Springwood Walk
-
£808k
-
2 Springwood Walk
-
£1.45M
-
8 Springwood Walk
-
£850k
-

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