29 Whitley Road, Hoddesdon, EN11 0PT

UPRN:148029944Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: D (62)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£383,000

£364k - £403kHigh

Estimate

£383k

Range

£364k – £403k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

4.80%

Verdict

Derived from HomePortfolio scores

29 Whitley Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (75/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

58/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

75/ 100

High

Transit & Bike

Transit 17Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +8.6% (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 10 Oct 2026
- valuation_snapshotsestimate for 148029944· as of 10 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1400/mo (range 1300-1550)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -578/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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 140 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 30 Oct 2026
Risk & liquidity14.6/15
199 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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£212/mo
Cash on cash: -2.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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 148029944Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1300-1550)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1400/mo (range 1300-1550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 140 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£383,000

Rent Estimate (pcm)£1,400

Gross Yield4.80%

1y Growth-

3y Growth-2.7%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EN11 0PT

Approval Rate

-12mo

Development

low

07/26/0838/LDP
Certificate of lawfulness for a proposed loft conversion with rear dormer and two front rooflights
Pending
07/26/0834/TW
Lime tree located between 15 & 17 Westhill Road at front of property. - Reduce branches to allow access into property, and reduce branches impacting on telephone cables above.
Pending
07/26/0829/F
Part retrospective subdivision of extended dwelling to form 1 no. two-bedroom dwelling and 1 no. one-bedroom dwelling, including retention of the two-storey side extension as built; together with proposed landscaping and hedge planting, boundary fence and gate, parking bay with EV charge point, refuse and cycle stores, obscure glazing to the first-floor rear window, and the conversion of the third bedroom to a bathroom
Pending

View Planning Timeline

Ownership

Corporate Ownership52.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,283

Population Density4,598 /km²

Owner Occupied74%

Age Distribution

0-15 22%16-64 67%65+ 11%

View Area Profile

Schools Nearby

Rye Park Nursery School
0.1 mi
Outstanding
Forres Primary Academy
0.2 mi
Inspected as Forres Primary School (URN 117284) on 4 Oct 2022
The John Warner School
0.3 mi
Inspected as The John Warner School (URN 136607) on 11 Oct 2022
Rivers Education Support Centre
0.4 mi
Good

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

View All Schools

Comparables

View All

45 Whitley Road
-
£430k
-
65 Whitley Road
-
£370k
-
71 Whitley Road
-
£386k
-
67 Whitley Road
-
£320k
-

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