14 Amberry Court, Harlow, CM20 2PX

UPRN:10003708296Purpose Built Flat2 bedsBuilt 1950-1966

LeaseholdCouncil Tax: Band BEPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 2mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated yesterday

£230,000

Estimated value

Range: £219k - £242k|Last sold: £220k (2023-11-16)

Estimate of £230k for this purpose built flat. 189 sales in CM20 in the last 12 months; median £325k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£230k

£219k - £242k - High confidence

Annualised (CAGR)

+1.52%

Over the full window

Peak estimate

£240k

Aug 2023

From peak

-4.17%

Drawdown from peak

AVM estimate (model)Repeat-sales index - CM20 district (quarterly)index YoY +1.16%

Growth by window

+1.32%

-1.71%

12m

+1.32%

24m

-1.29%

60m

+7.98%

Rental Market

Monthly

Estimated rent (pcm)

£1,450

/ month

Gross yield

7.91%

Rent ÷ asking price

Net yield

5.48%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£325k

CM20 sales, last 12 months

12m Price Growth

+6.4%

CM20 median, Land Registry

Days on Market

95d

CM20 average

Sales & Yield

3 metrics

Transactions / 12m

189

CM20 sales

Area Gross Yield

8.40%

CM20 medians

Last Sold

£220k

2023-11-16

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£220,000
SDLT standard£1,900
SDLT BTL surcharge (5%)£11,000
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£235,000

Funding

Deposit (25%)£55,000
Mortgage (75% LTV)£165,000
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£70,000

Monthly Returns

Monthly Rent (estimate)£1,450
Mortgage Payment (IO)-£722
Management (10%)-£145
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£483

Capital Returns

5yr Property Value£261,670
5yr Capital Gain (3.53% pa, historical)+£41,670
5yr Cumulative Rent (net, before lease costs)+£75,490
Less mortgage interest-£43,320
5yr Total Return (before lease costs)+£73,840

Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£227,766	£62,766	+£5,796	+£13,562	19.4%
Year 2	£235,806	£70,806	+£11,904	+£27,710	39.6%
Year 3	£244,130	£79,130	+£18,331	+£42,461	60.7%
Year 4	£252,748	£87,748	+£25,084	+£57,832	82.6%
Year 5	£261,670	£96,670	+£32,170	+£73,840	105.5%

Modelled on the live asking price. Capital growth 3.53% a year is the CM20 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£70,000).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,792

Population

Signal

6.4%

Households Deprived

Upside Opportunities

0 levers