1 Rutland Place, Rettendon Common, Chelmsford, CM3 8FN

UPRN:10094904299Detached House6 bedsBuilt 2024

FreeholdCouncil Tax: Band GEPC: A (100)

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

1 Rutland Place, Rettendon Common, Chelmsford, CM3 8FN

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£778,000

£739k - £817kHigh

Estimate

£778k

Range

£739k – £817k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

4.74%

Verdict

Derived from HomePortfolio scores

1 Rutland Place earns an INVESTIGATE rating with HP Score 79/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

71/ 100

High

Crime Score

15/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge2.5/15
claims [AVM -0.8% (HIGH), sold-comps +15.6%, £/sqft +15.6%] → measured edge +0.50pp 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 9 Oct 2026
- valuation_snapshotsestimate for 10094904299· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.3%· as of 6 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.78
- valuation_snapshotsrent estimate 3100/mo (range 2800-3450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,159/mo, -37% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 233 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 6 Nov 2026
Risk & liquidity14.6/15
578 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

£588,000£901,500

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£784,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,800-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £265,700
Net cash flow: -£500/mo
Cash on cash: -2.3%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 10094904299Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.3%Valuation edge · as of 6 Nov 2026
valuation_snapshotsrent estimate 3100/mo (range 2800-3450)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 3100/mo (range 2800-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 233 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£778,000

Rent Estimate (pcm)£3,100

Gross Yield4.74%

1y Growth+1.9%

3y Growth-1.1%

5y Growth+0.7%

10y Growth+2.8%

Last Sold Price£900,000 (2024-06-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM3 8FN

Approval Rate

-12mo

Development

low

26/00104/DOC/1
Condition 3 - Separate Historic Building Recording Report. Condition 4 - External materials and finishes. Condition 5 - Large Scale Drawings. Condition 6 - Hard and soft landscaping details. Condition 7 - Boundary treatment details. Condition 8 - Schedule of existing internal fixtures and fittings.
Pending
26/01118/FUL
Part retrospective application for material operations comprising earthworks movements to recontour open space and create musaic landscape with meadows, shrubs and tree planting. Erection of timber post and rail fence to delineate boundary.
Pending
26/01133/FUL
Single storey annex extension.
Approved

View Planning Timeline

Ownership

Corporate Ownership70.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-06-03
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 Density90 /km²

Owner Occupied78%

Age Distribution

0-15 18%16-64 59%65+ 23%

View Area Profile

Schools Nearby

St Luke's Park Primary School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Rettendon Primary School
1.7 mi
Inspected as Rettendon Primary School (URN 114856) on 25 Apr 2023
St Peter's Church of England Primary Academy, West Hanningfield
1.7 mi
Inspected as St Peters Church of England Voluntary Aided Primary School, West Hanningfield (URN 115202) on 31 Jan 2023
East Hanningfield Church of England Primary Academy
2.0 mi
Inspected as East Hanningfield Church of England Primary School (URN 115113) on 6 Jun 2024

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

View All Schools

Comparables

View All

5 Rutland Place
-
£710k
-
7 Rutland Place
-
£727k
-
1 Rutland Place
-
£900k
-
3 Rutland Place
-
£550k
-

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