2 Plough Ridge, Hempstead Road, Radwinter, Saffron Walden, CB10 2TQ

UPRN:10094833676Detached House5 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

2 Plough Ridge, Hempstead Road, Radwinter, Saffron Walden, CB10 2TQ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£590,000

£531k - £649kMedium

Estimate

£590k

Range

£531k – £649k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

2.28%

Verdict

Derived from HomePortfolio scores

2 Plough Ridge earns an INVESTIGATE rating with HP Score 66/100. Investment score 56/100 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 SourcesPortal listingsMarket estimates (third-party AVM)Defra 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

66/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 5Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 13 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -69.5% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 10 Nov 2026
- valuation_snapshotsestimate for 10094833676· as of 10 Nov 2026
Rental economics0/40
gross yield 2.3%; range width penalty ×0.73
- valuation_snapshotsrent estimate 1900/mo (range 1700-2150)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,952/mo, -155% 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 13 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 101 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 13 Nov 2026
Risk & liquidity12.8/15
142 sales/12mo in area; valuation range width 20%
- 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

£750,000£1,150,000

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£1,000,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,700-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£2,060/mo
Cash on cash: -7.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.56 - 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 10094833676Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1900/mo (range 1700-2150)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1900/mo (range 1700-2150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 101 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£590,000

Rent Estimate (pcm)£1,900

Gross Yield2.28%

1y Growth-

3y Growth-2.4%

5y Growth+0.9%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CB10 2TQ

Approval Rate

-12mo

Development

low

UTT/26/2790/NMA
Non-Material Amendment for window locations, rooflights, and store cupboards from plans of UTT/25/1144/FUL
Pending
UTT/26/2769/DOC
Condition 3 (external materials) of UTT/26/0572/LB - External Render and Roof tiles
Pending
UTT/26/2706/DOC
Condition 3 (External Materials) of UTT/26/0572/LB - part only - Windows
Pending

View Planning Timeline

Ownership

Corporate Ownership64.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,006

Population Density38 /km²

Owner Occupied78%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

Radwinter Church of England Voluntary Aided Primary School
0.3 mi
GoodImproving
Wimbish Primary Academy
1.7 mi
Inspected as Wimbish Primary School (URN 114990) on 5 May 2022
Great Sampford Community Primary School
2.5 mi
Good
Ashdon Primary School
3.2 mi
Good

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Redlands Hempstead Road
-
£550k
-
Melrose Hempstead Road
-
£530k
-
Melrose Hempstead Road
-
£530k
-
Ingledene Hempstead Road
-
£435k
-

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