12 St Annes Park, Broxbourne, EN10 7LA

UPRN:148027574Detached House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band GEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£891,000

£846k - £936kHigh

Estimate

£891k

Range

£846k – £936k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

4.29%

Verdict

Derived from HomePortfolio scores

12 St Annes Park earns an INVESTIGATE rating with HP Score 78/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (65/100). 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 NationsMarket 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

78/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

65/ 100

Moderate

Transit & Bike

Transit 11Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.4% (HIGH)] → 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 9 Oct 2026
- valuation_snapshotsestimate for 148027574· as of 9 Oct 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.76
- valuation_snapshotsrent estimate 3200/mo (range 2850-3550)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,554/mo, -49% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 100 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 4 Nov 2026
Risk & liquidity14.6/15
175 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

£671,000£1,029,000

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£895,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,850-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £304,550
Net cash flow: -£805/mo
Cash on cash: -3.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - 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 148027574Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3550)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3200/mo (range 2850-3550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 100 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£891,000

Rent Estimate (pcm)£3,200

Gross Yield4.29%

1y Growth-

3y Growth-1.1%

5y Growth+0.5%

10y Growth+3.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1EN10 7LA

Approval Rate

100%12mo

Development

low

07/26/0827/AC
Advertisement consent for one non-illuminated vinyl banner on fence
Pending
07/26/0811/DRC
Application for the approval of details reserved by condition no. 8 (Community Use Agreement) of planning ref. 07/23/0658/F (Installation of a 3G artificial grass pitch with perimeter fencing, acoustic fencing, hard standing areas, floodlighting, storage container and associated works)
Pending
07/26/0800/TW
T1 - Yew - Reduce by 1.5m, cut back any overhang over the river T2 - Yew - Reduce by 1.5m, cut back any overhang over the river T3 - Yew - Reduce by 1.5m, cut back any overhang over the river T4 - Yew - Reduce by 1.5m, cut back any overhang over the river
Approved

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,283

Population Density-

Owner Occupied79%

Age Distribution

0-15 15%16-64 59%65+ 26%

View Area Profile

Schools Nearby

St Cross Catholic Primary School
0.2 mi
Inspected as St Cross Catholic Primary School (URN 117483) on 5 Jun 2019
Sheredes Primary School
0.3 mi
Outstanding
Robert Barclay Academy
0.3 mi
Good
Broxbourne CofE Primary School
0.6 mi
Outstanding

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

View All Schools

Comparables

View All

8 St Annes Park
-
£910k
-
11 St Annes Park
-
£500k
-
10 St Annes Park
-
£500k
-
Leven House St Annes Park
-
£403k
-

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