649 Rayleigh Road, Hutton, Brentwood, CM13 1SS

UPRN:200000526501Bungalow Property4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: C (69)

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

649 Rayleigh Road, Hutton, Brentwood, CM13 1SS

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£1,054,000

£1.00M - £1.11MHigh

Estimate

£1.05M

Range

£1.00M – £1.11M

Rent Estimate (pcm)

£4,050

£4k - £5k

Monthly

£4,050

Yield

4.86%

Verdict

Derived from HomePortfolio scores

649 Rayleigh Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is very low. Walkability is limited (61/100). 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)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

79/ 100

Strong

Investment Score

74/ 100

High

Crime Score

12/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 6Bike 37

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 +5.1% (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 12 Oct 2026
- valuation_snapshotsestimate for 200000526501· as of 12 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.76
- valuation_snapshotsrent estimate 4050/mo (range 3600-4500)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,372/mo, -34% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 45 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 2 Nov 2026
Risk & liquidity14.6/15
280 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

£750,000£1,150,000

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£1,000,000

At the asking price

Monthly rent£4,050/mo

Evidenced range £3,600-£4,500

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£571/mo
Cash on cash: -2.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 200000526501Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 4050/mo (range 3600-4500)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 4050/mo (range 3600-4500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 45 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£1,054,000

Rent Estimate (pcm)£4,050

Gross Yield4.86%

1y Growth+3.9%

3y Growth+7.6%

5y Growth+2.6%

10y Growth+3.0%

Last Sold Price£975,000 (2023-11-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CM13 1SS

Approval Rate

-12mo

Development

low

26/01180/FUL
Proposal to infill a pond (part-retrospective)
Pending
25/01178/COND/1
Discharge of Condition 4 (Construction Environmental Management Plan) 5 (Foul Drainage Details) and 6 (Sustainability) of application 25/01178/FUL (Demolition of existing outbuildings and construction of 5no. chalet bungalows with associated parking, landscaping and amenity areas).
Pending
23/00423/COND/3
Discharge of Conditions 3 (Details Of Materials), 7 (Water Efficiency), 8 (Sustainable Drainage Features), 10 (Boundary Treatments), 11 (Waste and Refuse Storage Facilities), 12 (Vehicular Access), 13 (No Unbound Material), 14 (Parking Provision), 16 (EV Charging), 17 (Hard and Soft Landscaping Scheme) and 18 (Cycle Storage) of application 23/00423/FUL (Demolition of existing detached dwelling. Construction of 2 new detached residential dwellings with associated parking and landscaping).
Pending

View Planning Timeline

Ownership

Corporate Ownership45.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-11-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

29 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,864

Population Density-

Owner Occupied68%

Age Distribution

0-15 19%16-64 63%65+ 18%

View Area Profile

Schools Nearby

Woodlands School Hutton Manor
0.3 mi
Inspected by ISI
Willowbrook Primary School
1.2 mi
Good
Hutton All Saints' Church of England Primary School
1.3 mi
Good
St Martin's School Brentwood
1.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

649 Rayleigh Road
-
£975k
-
665 Rayleigh Road
-
£975k
-
669 Rayleigh Road
-
£925k
-
653 Rayleigh Road
-
£450k
-

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