203 Churchgate Road, Cheshunt, Waltham Cross, EN8 9EJ

UPRN:148001994Semi-Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: E (49)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

203 Churchgate Road, Cheshunt, Waltham Cross, EN8 9EJ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£665,000

£632k - £699kHigh

Estimate

£665k

Range

£632k – £699k

Rent Estimate (pcm)

£3,550

£3k - £4k

Monthly

£3,550

Yield

7.41%

Verdict

Derived from HomePortfolio scores

203 Churchgate Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (67/100). 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 listingsOfcom Connected NationsOfcom mobile coverageMarket 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)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

67/ 100

Moderate

Transit & Bike

Transit 23Bike 55

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 6 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +13.5% (HIGH), sold-comps +36.5%, £/sqft +36.5%] → 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 148001994· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.9%· as of 22 Oct 2026
Rental economics18.2/40
gross yield 7.4%; range width penalty ×0.95
- valuation_snapshotsrent estimate 3550/mo (range 3350-3800)· as of 9 Oct 2026· verify before relying on this
Stress margin1.5/30
stressed cash flow +53/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 308 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
316 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 sensitivityScores 70+ up to £431,000

£431,000£661,000

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£575,000

At the asking price

Monthly rent£3,550/mo

Evidenced range £3,350-£3,800

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: £517/mo
Cash on cash: 3.2%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.83 - 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 148001994Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.9%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 3550/mo (range 3350-3800)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

Rental economics needs verification before you rely on it
rent estimate 3550/mo (range 3350-3800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 308 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 →flood, subsidence, crime, environment - the full domain

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. Set your walk-away price before viewing - above £431,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£665,000

Rent Estimate (pcm)£3,550

Gross Yield7.41%

1y Growth-

3y Growth+1.8%

5y Growth+2.4%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0EN8 9EJ

Approval Rate

-12mo

Development

low

07/26/0860/LDP
Certificate of lawfulness for a proposed summer house within the rear garden
Pending
07/26/0831/HF
Erection of car port and first floor side extension
Pending
07/26/0830/HF
Single storey side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership57.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,283

Population Density4,114 /km²

Owner Occupied75%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Oakview Primary School
0.1 mi
Inspected as Andrews Lane Primary School (URN 117302) on 12 Jul 2022
Dewhurst St Mary CofE Primary School
0.3 mi
Good
Goffs Academy
0.3 mi
Good
St Paul's Catholic Primary School
0.4 mi
Inspected as St Paul's Catholic Primary School (URN 117492) on 12 Oct 2022

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

View All Schools

Comparables

View All

173 Churchgate Road
-
£575k
-
171 Churchgate Road
-
£633k
-
191 Churchgate Road
-
£625k
-
197 Churchgate Road
-
£700k
-

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