1 Haven Place, Park Street Lane, Park Street, St. Albans, AL2 2FQ

UPRN:10096005308Detached House4 bedsBuilt 2022

FreeholdCouncil Tax: Band GEPC: A (108)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

1 Haven Place, Park Street Lane, Park Street, St. Albans, AL2 2FQ

HP Score

/ 100

Strong

Verdict

today

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

Evidence

14 of 21 sources

Sale Estimate

£1,616,000

£1.46M - £1.78MMedium

Estimate

£1.62M

Range

£1.46M – £1.78M

Rent Estimate (pcm)

£6,500

£6k - £7k

Monthly

£6,500

Yield

5.22%

Verdict

Derived from HomePortfolio scores

1 Haven Place earns an INVESTIGATE rating with HP Score 87/100. Investment score 70/100 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)Defra 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

87/ 100

Strong

Investment Score

70/ 100

High

Crime Score

3/ 100

Low

Walkability

No data

Transit & Bike

No data

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 edge1.5/15
claims [AVM +7.5% (MEDIUM), sold-comps +1.8%, £/sqft +1.8%] → measured edge +0.31pp 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10096005308· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.2%· as of 22 Oct 2026
Rental economics1.4/40
gross yield 5.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 6500/mo (range 5900-7150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,660/mo, -26% 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), 177 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 & liquidity12.8/15
230 sales/12mo in area; valuation range width 20%
- 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

£1,121,000£1,719,000

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£1,495,000

At the asking price

Monthly rent£6,500/mo

Evidenced range £5,900-£7,150

Interest rate5.4%

Loan to value75%

Cash required: £543,050
Net cash flow: -£546/mo
Cash on cash: -1.2%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.29 - clears 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 10096005308Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.2%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 6500/mo (range 5900-7150)Rental economics · as of 9 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 6500/mo (range 5900-7150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 177 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£1,616,000

Rent Estimate (pcm)£6,500

Gross Yield5.22%

1y Growth-

3y Growth-0.6%

5y Growth+1.7%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0AL2 2FQ

Approval Rate

-12mo

Development

low

5/2026/1399
Certificate of Lawfulness (proposed) - Loft conversion with rear dormer and 3No. roof lights to front elevation
Approved
5/2026/1295
Certificate of Lawfulness (proposed) - Single storey rear extension - as Prior Approval 5/2026/0358. Single storey side extension with rooflight plus front porch
Approved
5/2026/1204
Single storey rear extension and alterations to existing side extension roof
Pending

View Planning Timeline

Ownership

Corporate Ownership61.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,543

Population Density-

Owner Occupied91%

Age Distribution

0-15 17%16-64 57%65+ 26%

View Area Profile

Schools Nearby

Seva Education St Albans
0.1 mi
-
How Wood Primary and Nursery School
0.6 mi
Good
Park Street Church of England Voluntary Aided Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Mount Pleasant Lane Primary School
1.2 mi
Good

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Haven Place
-
£1.03M
-

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