1 Philgate Place, The Plain, Epping, CM16 6TL

UPRN:10095531771Detached House4 bedsBuilt 2024

FreeholdCouncil Tax: Band GEPC: B (85)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

1 Philgate Place, The Plain, Epping, CM16 6TL

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£1,047,000

£994k - £1.10MHigh

Estimate

£1.05M

Range

£994k – £1.10M

Rent Estimate (pcm)

£4,350

£4k - £5k

Monthly

£4,350

Yield

4.54%

Verdict

Derived from HomePortfolio scores

1 Philgate Place earns an INVESTIGATE rating with HP Score 69/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (35/100). 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

69/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 7Bike 30

Walk Score, out of 100

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 -9.8% (HIGH), sold-comps -32.8%, £/sqft -32.8%] → 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 14 Nov 2026
- valuation_snapshotsestimate for 10095531771· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 14.2%· as of 8 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.79
- valuation_snapshotsrent estimate 4350/mo (range 3900-4800)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,784/mo, -41% 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
context, not scored: 0 price cut(s), 59 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 9 Nov 2026
Risk & liquidity14.6/15
236 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

£862,500£1,322,500

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£1,150,000

At the asking price

Monthly rent£4,350/mo

Evidenced range £3,900-£4,800

Interest rate5.4%

Loan to value75%

Cash required: £405,050
Net cash flow: -£870/mo
Cash on cash: -2.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - 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 10095531771Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 14.2%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 4350/mo (range 3900-4800)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 4350/mo (range 3900-4800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 59 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£1,047,000

Rent Estimate (pcm)£4,350

Gross Yield4.54%

1y Growth-

3y Growth-2.4%

5y Growth-0.6%

10y Growth+1.8%

Last Sold Price£1,025,000 (2025-01-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM16 6TL

Approval Rate

-12mo

Development

low

EPF/2083/26
Non-Material amendment to EPF/0919/21 (The redevelopment of the existing office building and car park. Demolition of the existing office building and alterations to connection to existing Listed Civic Centre. Development to comprise new apartment buildings and houses to provide a mix of residential units (Use Class C3), revised vehicular and pedestrian access from High Street, all associated car and cycle parking, servicing, hard and soft landscaping and associated works).
Pending
EPF/2084/26
Approval of Details Reserved by Condition 11 Hard and Soft Landscaping of EPF/0919/21 (The redevelopment of the existing office building and car park. Demolition of the existing office building and alterations to connection to existing Listed Civic Centre. Development to comprise new apartment buildings and houses to provide a mix of residential units (Use Class C3), revised vehicular and pedestrian access from High Street, all associated car and cycle parking, servicing, hard and soft landscaping and associated works).
Pending
EPF/2076/26
Removal of Condition 14 Habitat Maintenance and Monitoring Plan of EPF/1008/25 (Demolition of existing rear extension and relocation of upper and lower windows. Erection of new adjoining single dwelling and amendments to the existing driveway access).
Pending

View Planning Timeline

Ownership

Corporate Ownership64.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-01-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,171

Population Density375 /km²

Owner Occupied70%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Coopersale and Theydon Garnon Church of England Voluntary Controlled Primary School
0.6 mi
Good
Open Box Education Centre
0.8 mi
Good
Epping Primary School
0.8 mi
Good
The Tower School
1.0 mi
Inspected by ISI

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

View All Schools

Comparables

View All

1 Philgate Place
-
£1.02M
-
2 Philgate Place
-
£795k
-
56A The Plain
-
£1.00M
-
1 Philgate Place
-
£207k
-

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