38 Broomfield, Harlow, CM20 2JZ

UPRN:100090525866Flat/Maisonette2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band BEPC: C (72)

Data freshness:Listing· freshPlanning· 2mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£221,000

£210k - £232kHigh

Estimate

£221k

Range

£210k – £232k

Rent Estimate (pcm)

£1,400

£1k - £1k

Monthly

£1,400

Yield

7.81%

Verdict

Derived from HomePortfolio scores

38 Broomfield earns an INVESTIGATE rating with HP Score 55/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (68/100). 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 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

55/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

87/ 100

Elevated

Walkability

68/ 100

Moderate

Transit & Bike

Transit 11Bike 73

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 24 Oct 2026

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

Valuation edge0/15
claims [AVM +2.7% (HIGH), sold-comps -0.9%, £/sqft -0.9%] → 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 Oct 2026
- valuation_snapshotsestimate for 100090525866· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%· as of 21 Oct 2026
Rental economics22.5/40
gross yield 7.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1400/mo (range 1350-1450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -44/mo, -3% 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 24 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 549 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 24 Oct 2026
Risk & liquidity14.6/15
189 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

£161,000£247,000

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£215,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,350-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £67,600
Net cash flow: £244/mo
Cash on cash: 4.3%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.93 - 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 100090525866Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.8%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1350-1450)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 24 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 24 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 1400/mo (range 1350-1450)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 549 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£221,000

Rent Estimate (pcm)£1,400

Gross Yield7.81%

1y Growth-

3y Growth+2.0%

5y Growth+3.5%

10y Growth+2.9%

Last Sold Price£69,950 (1999-12-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3CM20 2JZ

Approval Rate

50%12mo

Development

low

HW/CND/26/00413
Application for approval of details reserved by condition 2 (Materials) of planning permission HW/HSE/26/00227 for Main Roof Replacement.
Pending
HW/HSE/26/00410
Retrospective consent is sought for the construction of a single storey rear extension and erection of garden room in the rear garden
Pending
HW/HSE/26/00359
Relandscape of front garden and the replacement of wooden to wrought Iron fencing
Pending

View Planning Timeline

Ownership

Corporate Ownership31.6%
Overseas OwnershipNo
Lease Term Remaining83 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1999-12-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,654

Population Density1,154 /km²

Owner Occupied43%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Tany's Dell Primary School and Nursery
0.3 mi
Good
Mark Hall Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Fawbert and Barnard's Primary School
0.3 mi
Good
Cooks Spinney Primary Academy and Nursery
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

45 Broomfield
-
£380k
-
30 Broomfield
-
£225k
-
52 Broomfield
-
£305k
-
33 Broomfield
-
£244k
-

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