Flat 2, 60 St Marys Lane, Upminster, RM14 2QP

UPRN:10094416945Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band EEPC: B (85)

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

Flat 2, 60 St Marys Lane, Upminster, RM14 2QP

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

£577,000

£548k - £606kHigh

Estimate

£577k

Range

£548k – £606k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

4.49%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 67/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (53/100). 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

67/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

57/ 100

Elevated

Walkability

53/ 100

Moderate

Transit & Bike

Transit 48Bike 51

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£575,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,950-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: -£452/mo
Cash on cash: -2.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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£577,000

Rent Estimate (pcm)£2,150

Gross Yield4.49%

1y Growth-

3y Growth-1.5%

5y Growth-0.4%

10y Growth+1.3%

Last Sold Price£567,500 (2020-10-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0RM14 2QP

Approval Rate

-12mo

Development

low

N0038.26
Application for a non-material amendment to planning permission ref: P0790.24 dated 31/07/2024 to allow for garage to be altered to a study and replace garage door with a window (Two storey side extension and single storey rear extension)
Pending
P1239.26
Single storey rear extension
Pending
P1238.26
Erection of a single-storey detached outbuilding for use as a home gym, fitness suite and incidental leisure space
Pending

View Planning Timeline

Ownership

Corporate Ownership59.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-10-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,726

Population Density3,766 /km²

Owner Occupied64%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Sacred Heart of Mary Girls' School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Joseph's Catholic Primary School
0.3 mi
Good
Routes4Life Limited
0.4 mi
-
Upminster Infant School
0.4 mi
Good

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

View All Schools

Comparables

View All

Hillmount Court, 58 St Mary'S Lane
-
£550k
-
Hillmount Court, 58 St Mary'S Lane
-
£575k
-
Hillmount Court, 58 St Mary'S Lane
-
£450k
-
Hillmount Court, 58 St Mary'S Lane
-
£425k
-

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