Spinnakers, Esplanade, Mayland, Chelmsford, CM3 6AW

UPRN:200000910185Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: -EPC: D (64)

Data freshness:Listing· freshOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Spinnakers, Esplanade, Mayland, Chelmsford, CM3 6AW

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£659,000

£627k - £692kHigh

Estimate

£659k

Range

£627k – £692k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

4.71%

Verdict

Derived from HomePortfolio scores

Spinnakers earns an INVESTIGATE rating with HP Score 68/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (48/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

48/ 100

Mixed

Transit & Bike

Transit 2Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 +1.4% (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 Nov 2026
- valuation_snapshotsestimate for 200000910185· as of 9 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2550/mo (range 2300-2800)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -998/mo, -39% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 260 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 10 Nov 2026
Risk & liquidity14.7/15
578 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,300-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£428/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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 200000910185Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2550/mo (range 2300-2800)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 2550/mo (range 2300-2800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 260 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£659,000

Rent Estimate (pcm)£2,550

Gross Yield4.71%

1y Growth-

3y Growth-1.1%

5y Growth+0.7%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

2CM3 6AW

Approval Rate

100%12mo

Development

low

26/00728/LDE
Certificate of lawfulness for existing development relating to the existing outbuilding within the rear garden of the property, including its construction and use for purposes incidental to the enjoyment of the main dwellinghouse.
Pending
26/00661/VAR
Variation of condition 2 on approved planning permission 26/00286/HOUSE (Single-storey rear extension, alterations to existing garage with rear extension, front porch canopy, changes to materials and fenestration) - to change vertical cladding to horizontal cladding, allowing ventilation to work with new door and window reveals.
Pending
26/00585/WTPO
T1,T2 (T2 & T3 on TPO 02/04) - English Oak trees (Quercus Robur) - Crown lift by 3m, selective crown reduction up to 2.5m and thin crown by 20%.
Approved

View Planning Timeline

Ownership

Corporate Ownership70.6%
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

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,599

Population Density-

Owner Occupied89%

Age Distribution

0-15 13%16-64 60%65+ 27%

View Area Profile

Schools Nearby

Maylandsea Primary School
0.6 mi
Good
Christchurch Church of England Primary School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Cold Norton Primary School
3.6 mi
Good
Maldon Primary School
3.9 mi
Good

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

View All Schools

Comparables

View All

289C Esplanade
-
£875k
-
Bywaters, 292 Esplanade
-
£785k
-
289A Esplanade
-
£830k
-
Horizons Esplanade
-
£600k
-

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