Flat 4, St Cross Chambers, Upper Marsh Lane, Hoddesdon, EN11 8LQ

UPRN:148047279Converted Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band DEPC: B (82)

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

Flat 4, St Cross Chambers, Upper Marsh Lane, Hoddesdon, EN11 8LQ

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£482,000

£458k - £506kHigh

Estimate

£482k

Range

£458k – £506k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

6.43%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 77/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (78/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)HM Land Registry sales matched to addressDefra 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

77/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

78/ 100

High

Transit & Bike

Transit 8Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.6% (HIGH), sold-comps -42.2%, £/sqft -42.1%] → 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 148047279· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 5.3%· as of 23 Oct 2026
Rental economics10.7/40
gross yield 6.4%; range width penalty ×0.93
- valuation_snapshotsrent estimate 2600/mo (range 2450-2800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -265/mo, -10% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 353 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
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

£364,000£558,000

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£485,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,450-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £161,050
Net cash flow: £163/mo
Cash on cash: 1.2%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.59 - 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 148047279Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 5.3%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 2600/mo (range 2450-2800)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 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 2600/mo (range 2450-2800)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£482,000

Rent Estimate (pcm)£2,600

Gross Yield6.43%

1y Growth-

3y Growth-2.7%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price£385,000 (2015-04-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EN11 8LQ

Approval Rate

-12mo

Development

low

07/26/0844/LB
Listed Building consent for installation of defibrillator and bleed kit cabinet to rear external wall
Pending
07/26/0820/F
Installation of ground floor external toilet
Pending
07/26/0815/CONRV
Proposed variation of condition no. 9 (Opening Hours) of planning ref. 07/19/0517/F (Demolition of existing building and erection of 4 storey block with retail at ground floor level and 6no.2 bed flats on first second and third floor with parking refuse and cycle storage)
Pending

View Planning Timeline

Ownership

Corporate Ownership52.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-04-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,283

Population Density1,023 /km²

Owner Occupied81%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

St Cross Catholic Primary School
0.1 mi
Inspected as St Cross Catholic Primary School (URN 117483) on 5 Jun 2019
Robert Barclay Academy
0.2 mi
Good
Sheredes Primary School
0.3 mi
Outstanding
St Augustine's Catholic Primary School
0.4 mi
Inspected as St Augustine's Catholic Primary School (URN 117438) on 19 Jun 2018

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

View All Schools

Comparables

View All

St. Cross Chambers Upper Marsh Lane
-
£290k
-
St. Cross Chambers Upper Marsh Lane
-
£730k
-
St. Cross Chambers Upper Marsh Lane
-
£355k
-
St. Cross Chambers Upper Marsh Lane
-
£485k
-

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