38 St Andrews Drive, Chelmsford Garden, Chelmsford, CM3 3GH

UPRN:10093928124Detached House3 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: B (85)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

38 St Andrews Drive, Chelmsford Garden, Chelmsford, CM3 3GH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£521,000

£495k - £547kHigh

Estimate

£521k

Range

£495k – £547k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

4.80%

Verdict

Derived from HomePortfolio scores

38 St Andrews Drive earns an INVESTIGATE rating with HP Score 60/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (9/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

9/ 100

Low

Transit & Bike

Transit 7Bike 49

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£525,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,900-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£318/mo
Cash on cash: -2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below 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£521,000

Rent Estimate (pcm)£2,100

Gross Yield4.80%

1y Growth-

3y Growth-1.1%

5y Growth+0.7%

10y Growth+2.8%

Last Sold Price£440,000 (2020-07-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM3 3GH

Approval Rate

-12mo

Development

low

26/01427/CLOPUD
Addition of 7 flush to the roof plain roof light windows for a loft conversion with dark frames to match the roof and windows
Pending
26/01444/FUL
Infill of the existing open-sided carport beneath the existing terrace to create an enclosed space, together with associated alterations to the driveway layout to retain off-street parking provision for two vehicles.
Pending
26/01317/FUL
Installation of 26 solar panels
Pending

View Planning Timeline

Ownership

Corporate Ownership70.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-07-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,791

Population Density-

Owner Occupied75%

Age Distribution

0-15 22%16-64 60%65+ 18%

View Area Profile

Schools Nearby

The Belsteads School
0.7 mi
Good
The Beaulieu Park School
0.7 mi
Outstanding
New Hall School
0.8 mi
Inspected by ISI
Springfield Primary School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

18 St Andrews Drive
-
£453k
-
10 St Andrews Drive
-
£525k
-
50 St Andrews Drive
-
£580k
-
46 St Andrews Drive
-
£580k
-

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