38 The Gardiners, Harlow, CM17 9QU

UPRN:200001055451Terrace Property2 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band CEPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£348,000

£330k - £365kHigh

Estimate

£348k

Range

£330k – £365k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

5.72%

Verdict

Derived from HomePortfolio scores

38 The Gardiners earns an INVESTIGATE rating with HP Score 71/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (56/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

56/ 100

Moderate

Transit & Bike

Transit 15Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£325,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: -£24/mo
Cash on cash: -0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£348,000

Rent Estimate (pcm)£1,550

Gross Yield5.72%

1y Growth-12.3%

3y Growth+0.2%

5y Growth+0.6%

10y Growth+2.2%

Last Sold Price£155,000 (2005-06-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2CM17 9QU

Approval Rate

100%12mo

Development

low

HW/TP/26/10050
Lime Tree A - Proposed crown reduction of up to 2.5 metres in height and lateral spread, working towards identifiable previous pruning points where appropriate, while maintaining a balanced and natural crown Lime Tree B - Proposed crown reduction of up to 2.5 metres in height and lateral spread, working towards identifiable previous pruning points where appropriate, while maintaining a balanced and natural crown Lime Tree C - Proposed crown reduction of up to 2.5 metres in height and lateral spread, working towards identifiable previous pruning points where appropriate, including overhanging branches above the vehicle parking area
Pending
HW/HSE/26/00401
Installation of a front access modular ramp
Pending
HW/FUL/26/00390
Retention of an existing single-storey modular building for use as a dedicated sensory and nurture facility supporting pupils with Special Educational Needs and Disabilities (SEND), together with associated boundary screening, within the existing grounds of Purford Green Primary School and Nursery.
Pending

View Planning Timeline