19 Westminster Fields, Harpenden, AL5 3DZ

UPRN:10093186258Detached HouseBeds -Built -

FreeholdCouncil Tax: Band GEPC: B (86)

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

19 Westminster Fields, Harpenden, AL5 3DZ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,405,000

£1.33M - £1.48MHigh

Estimate

£1.41M

Range

£1.33M – £1.48M

Rent Estimate (pcm)

£4,600

£4k - £5k

Monthly

£4,600

Yield

3.56%

Verdict

Derived from HomePortfolio scores

19 Westminster Fields earns an INVESTIGATE rating with HP Score 73/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (22/100). 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

73/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 7Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -10.3% (HIGH), sold-comps -46.6%, £/sqft -46.6%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10093186258· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17%· as of 29 Oct 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.72
- valuation_snapshotsrent estimate 4600/mo (range 4050-5150)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,288/mo, -71% 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), 66 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
303 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

£1,162,500£1,782,500

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£1,550,000

At the asking price

Monthly rent£4,600/mo

Evidenced range £4,050-£5,150

Interest rate5.4%

Loan to value75%

Cash required: £566,050
Net cash flow: -£2,047/mo
Cash on cash: -4.3%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.88 - 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 10093186258Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 4600/mo (range 4050-5150)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · 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 4600/mo (range 4050-5150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 66 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. 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£1,405,000

Rent Estimate (pcm)£4,600

Gross Yield3.56%

1y Growth-

3y Growth-1.1%

5y Growth+2.0%

10y Growth+2.8%

Last Sold Price£1,025,000 (2018-09-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL5 3DZ

Approval Rate

-12mo

Development

low

CB/26/03140/PAAC
Prior Approval of change of use from agricultural building to flexible commercial use: Leisure facility to include Two padel courts, private gym and golf simulator.
Pending
TP/2026/0499
TPO 1510. English Oak T1 Reduce Crown by circa 4m Reduce overhanging branches To reduce level of shading. Help other plants grow and establish.
Pending
5/2026/1628
Single storey rear extension
Pending

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-09-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

23 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied92%

Age Distribution

0-15 27%16-64 57%65+ 16%

View Area Profile

Schools Nearby

Wood End School
0.3 mi
Outstanding
Roundwood Park School
0.8 mi
Outstanding
Roundwood Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
The King's School
1.0 mi
Inspected by ISI

7 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Westminster Fields
-
£1.48M
-
13 Westminster Fields
-
£1.58M
-
6 Westminster Fields
-
£905k
-
23 Westminster Fields
-
£1.06M
-

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