89 Cavendish Lane, Fairfield, Hitchin, SG5 4SL

UPRN:10095396743Detached HouseBeds -Built 2025

Tenure: -Council Tax: Band GEPC: A (96)

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

89 Cavendish Lane, Fairfield, Hitchin, SG5 4SL

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£787,000

£708k - £865kMedium

Estimate

£787k

Range

£708k – £865k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

7.92%

Verdict

Derived from HomePortfolio scores

89 Cavendish Lane earns an INVESTIGATE rating with HP Score 66/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (20/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

20/ 100

Low

Transit & Bike

Transit 4Bike 55

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£469,500

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,750-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £155,625
Net cash flow: £562/mo
Cash on cash: 4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.96 - clears 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£787,000

Rent Estimate (pcm)£3,100

Gross Yield7.92%

1y Growth+14.5%

3y Growth+1.2%

5y Growth+0.7%

10y Growth+2.6%

Last Sold Price£770,000 (2025-08-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0SG5 4SL

Approval Rate

-12mo

Development

low

26/02445/NCS
Single storey rear extension with the following dimension: Length as measured from rear wall of original dwelling - 6 metres
Approved
CB/26/02800/FULL
Single storey rear extension with a roof lantern and light following demolition of conservatory
Pending
26/01928/LDCP
Single storey side extension and front porch. Installation of no.2 front rooflights and rear box dormer window to facilitate conversion of loftspace into habitable accommodation.
Rejected

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2025-08-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

27 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,622

Population Density1,172 /km²

Owner Occupied78%

Age Distribution

0-15 28%16-64 63%65+ 9%

View Area Profile

Schools Nearby

Fairfield Park Lower School
0.4 mi
Good
Stonehill School
0.6 mi
Good
Roecroft Lower School
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Grange Academy
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

81 Cavendish Lane
-
£483k
-
83 Cavendish Lane
-
£483k
-
89 Cavendish Lane
-
£770k
-
5 Cavendish Lane
-
£675k
-

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