26 Richardson Drive, Hertford, SG13 8FW

UPRN:10094848334Detached HouseBeds -Built 2021

FreeholdCouncil Tax: Band GEPC: B (86)

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

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£1,241,000

£1.18M - £1.30MHigh

Estimate

£1.24M

Range

£1.18M – £1.30M

Rent Estimate (pcm)

£4,050

£4k - £5k

Monthly

£4,050

Yield

3.53%

Verdict

Derived from HomePortfolio scores

26 Richardson Drive 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 listingsMarket 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

11/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 5Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 5 Nov 2026

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

Valuation edge0.9/15
claims [AVM -10.8% (HIGH), sold-comps +4.8%, £/sqft +4.7%] → measured edge +0.17pp 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 13 Oct 2026
- valuation_snapshotsestimate for 10094848334· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 8.5%· as of 26 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.71
- valuation_snapshotsrent estimate 4050/mo (range 3550-4550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,954/mo, -73% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 44 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 5 Nov 2026
Risk & liquidity14.6/15
189 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

£1,031,000£1,581,000

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£1,375,000

At the asking price

Monthly rent£4,050/mo

Evidenced range £3,550-£4,550

Interest rate5.4%

Loan to value75%

Cash required: £495,050
Net cash flow: -£1,837/mo
Cash on cash: -4.5%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.87 - 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 10094848334Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 8.5%Valuation edge · as of 26 Oct 2026
valuation_snapshotsrent estimate 4050/mo (range 3550-4550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 4050/mo (range 3550-4550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 44 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£1,241,000

Rent Estimate (pcm)£4,050

Gross Yield3.53%

1y Growth+9.8%

3y Growth-2.8%

5y Growth-0.4%

10y Growth+2.8%

Last Sold Price£1,143,911 (2024-07-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0SG13 8FW

Approval Rate

-12mo

Development

low

X/26/0492/CND
Discharge conditions 4 (details of ventilation), 6 (details of cladding), 7 (details of internal finishes) and 8 (repairs schedule) attached to 3/26/0038/LBC
Pending
X/26/0491/CND
Discharge conditions 3 (basement opening and materials), 4 (landscape), 5 (details of ventilation), 6 (waste) and 7 (cavity drainage details) attached to 3/26/0037/FUL
Pending
3/26/1560/CLPO
Certificate of lawfulness for the erection of an outbuilding
Pending

View Planning Timeline