5 Larcombe Mews, Main Road, Margaretting, Ingatestone, CM4 9LA

UPRN:10094903402Detached House4 bedsBuilt 2022

FreeholdCouncil Tax: Band GEPC: B (84)

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

5 Larcombe Mews, Main Road, Margaretting, Ingatestone, CM4 9LA

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£865,000

£821k - £908kHigh

Estimate

£865k

Range

£821k – £908k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.21%

Verdict

Derived from HomePortfolio scores

5 Larcombe Mews earns an INVESTIGATE rating with HP Score 76/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

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

Valuation edge0/15
claims [AVM +1.2% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10094903402· as of 12 Oct 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.73
- valuation_snapshotsrent estimate 3000/mo (range 2650-3350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,532/mo, -51% 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 9 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
101 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

£641,000£983,000

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£855,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,650-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £290,550
Net cash flow: -£809/mo
Cash on cash: -3.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.04 - 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 10094903402Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3000/mo (range 2650-3350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 3000/mo (range 2650-3350)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£865,000

Rent Estimate (pcm)£3,000

Gross Yield4.21%

1y Growth-16.0%

3y Growth-3.7%

5y Growth+0.6%

10y Growth+2.3%

Last Sold Price£1,020,000 (2024-09-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CM4 9LA

Approval Rate

100%12mo

Development

low

26/01319/FUL
Retention of works to form extension to existing car park. Proposed minor works associated with car park to include landscape planting.
Pending
26/01364/PIP
Permission in Principle for up to 2no residential dwellings
Pending
26/05176/TPO
T5-T10 Oaks - 5m reduction on the south east / south west side - Reason: Have grown unbalanced
Pending

View Planning Timeline

Ownership

Corporate Ownership73.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-09-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,791

Population Density-

Owner Occupied66%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Margaretting Church of England Voluntary Controlled Primary School
0.4 mi
Good
Anglo European School
1.9 mi
GoodConcerns
Ingatestone Infant School
2.1 mi
Inspected as Ingatestone Infant School (URN 114909) on 14 Nov 2023
Stock Church of England Primary School
2.1 mi
Good

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

View All Schools

Comparables

View All

1 Larcombe Mews
-
£945k
-
2 Larcombe Mews
-
£850k
-
3 Larcombe Mews
-
£856k
-
5 Larcombe Mews
-
£1.02M
-

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