13 Bell Road, Enfield, EN1 3JZ

UPRN:207136124End Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: D (56)

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

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£571,000

£542k - £599kHigh

Estimate

£571k

Range

£542k – £599k

Rent Estimate (pcm)

£2,950

£3k - £3k

Monthly

£2,950

Yield

6.44%

Verdict

Derived from HomePortfolio scores

13 Bell Road earns an INVESTIGATE rating with HP Score 86/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (98/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

86/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

98/ 100

Excellent

Transit & Bike

Transit 51Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 30 Oct 2026

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

Valuation edge2.5/15
claims [AVM +3.7% (HIGH), sold-comps +6.3%, £/sqft +6.4%] → measured edge +0.50pp 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 207136124· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%· as of 24 Oct 2026
Rental economics10.3/40
gross yield 6.4%; range width penalty ×0.89
- valuation_snapshotsrent estimate 2950/mo (range 2700-3150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -282/mo, -10% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 295 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 30 Oct 2026
Risk & liquidity14.6/15
362 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,950/mo

Evidenced range £2,700-£3,150

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: £186/mo
Cash on cash: 1.2%
Score at this price: 27

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 207136124Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 2950/mo (range 2700-3150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 2950/mo (range 2700-3150)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 295 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£571,000

Rent Estimate (pcm)£2,950

Gross Yield6.44%

1y Growth-

3y Growth+1.4%

5y Growth+1.7%

10y Growth+2.5%

Last Sold Price£557,500 (2022-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EN1 3JZ

Approval Rate

-12mo

Development

low

26/04543/FUL
Change of use from Use Class C3 (dwelling house) to Use Class C4 (house in multiple occupation - HMO) for up to six persons with associated amenity, refuse and cycle storage involving single storey rear extension, rear dormer, front roof lights and changes to the right side elevation.
Pending
26/04520/CEA
Single storey rear extension.
Pending
26/04499/CND
Details submitted pursuant to reference: 19/03564/FUL: Fencing and Enclosure (7), Cycle parking (8), Waste Storage (9), Water efficiency (10), C4 Management Plan (11) in respect of sub-division of site and erection of a two storey residential dwelling for use as house in multiple occupation (HMO) (C4) for up to 6 people, involving basement level and refuse storage.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-12-16
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£34,962

Population Density-

Owner Occupied77%

Age Distribution

0-15 22%16-64 64%65+ 14%

View Area Profile

Schools Nearby

St George's Catholic Primary School
0.2 mi
Good
Chace Community School
0.3 mi
Good
Lavender Primary School
0.3 mi
-
St Michael's CofE Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

1 Bell Road
-
£615k
-
18 Bell Road
-
£600k
-
13 Bell Road
-
£558k
-
11 Bell Road
-
£505k
-

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