4 The Spike, Saffron Walden, CB11 3GA

UPRN:200004263385Flat/MaisonetteBeds -Built -

LeaseholdCouncil Tax: Band DEPC: -

Data freshness:Planning· 4mo agoOwnership· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£266,000

£239k - £292kMedium

Estimate

£266k

Range

£239k – £292k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

6.79%

Verdict

Derived from HomePortfolio scores

4 The Spike earns an INVESTIGATE rating with HP Score 74/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (58/100). 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 SourcesPortal listingsOfcom Connected NationsMarket 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

74/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

58/ 100

Moderate

Transit & Bike

Transit 17Bike 55

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 +0.4% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 200004263385· as of 9 Nov 2026
Rental economics13.4/40
gross yield 6.8%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1500/mo (range 1400-1600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -241/mo, -16% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 34 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 & liquidity12.9/15
199 sales/12mo in area; valuation range width 20%
- 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

£199,000£305,000

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£265,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: £144/mo
Cash on cash: 2.1%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.68 - 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 200004263385Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1600)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 1500/mo (range 1400-1600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 34 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£266,000

Rent Estimate (pcm)£1,500

Gross Yield6.79%

1y Growth-

3y Growth-0.7%

5y Growth+0.2%

10y Growth+2.0%

Last Sold Price£165,000 (2003-08-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CB11 3GA

Approval Rate

-12mo

Development

low

UTT/26/2800/DOC
Application to discharge condition 9 (Construction Environmental Management Plan) pursuant to outline planning permission UTT/25/1463/FUL
Pending
UTT/26/2726/HHF
Changes to Rear Fenestration.
Pending
UTT/26/2722/NMA
Non Material Amendment to UTT/25/1568/DFO - Correct errors in the drawing / document list contained within the RMA decision notice
Pending

View Planning Timeline

Ownership

Corporate Ownership69.2%
Overseas OwnershipNo
Lease Term Remaining97 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2003-08-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,006

Population Density3,369 /km²

Owner Occupied64%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

R A Butler Junior School
0.5 mi
OutstandingImproving
R A Butler Infant School
0.5 mi
Inspected as R A Butler Infant School (URN 115303) on 11 Dec 2007
St Thomas More Catholic Primary School, Saffron Walden
0.6 mi
Good
St Mary's Church of England Voluntary Aided Primary School
0.7 mi
Good

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

View All Schools

Comparables

View All

The Spike Radwinter Road
-
£340k
-
The Spike Radwinter Road
-
£240k
-
The Spike Radwinter Road
-
£203k
-
The Spike Radwinter Road
-
£190k
-

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