The Cottage, School Lane, High Easter, Chelmsford, CM1 4QP

UPRN:100091277903Detached House4 bedsBuilt England and Wales: before 1900

FreeholdCouncil Tax: -EPC: E (39)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

The Cottage, School Lane, High Easter, Chelmsford, CM1 4QP

HP Score

/ 100

Mixed

Verdict

today

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£803,000

£763k - £843kHigh

Estimate

£803k

Range

£763k – £843k

Rent Estimate (pcm)

£2,700

£2k - £3kMedium

Monthly

£2,700

Yield

4.11%

AI Verdict

Derived from HomePortfolio scores

AI summary

The Cottage earns a INVESTIGATE rating with HP Score 58/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

58/ 100

Moderate

Investment Score

52/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Low

Real Data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range
listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£6,325,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,350-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £2,571,550
Net cash flow: -£19,478/mo
Cash on cash: -9.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.13 - below 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£803,000

Rent Estimate (pcm)£2,700

Gross Yield4.11%

1y Growth-

3y Growth+0.9%

5y Growth+0.8%

10y Growth+3.1%

Last Sold Price£536,000 (2022-02-01)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence2
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CM1 4QP

Approval Rate

-12mo

Development

low

26/05184/TPO
T1 Oak - Remove deadwood. T2 Oak -Cut back from building by 1m back to previous pruning points, crown list over car park by 1m, clear around lights in car park by 0.5 metres and remove dead wood. Reason: Overhanging the public footpath and encroaching on the Springfield Parish Centre roof and causing drainage issues.
Pending
25/01629/NMAT/1
Non Material Amendment For Planning Permission - 25/01629/FUL (Proposed front, side and rear extensions) Small alterations to the front elevation where a material change was made to fully render the front elevation and have the front extension line through with the existing house.
Pending
26/01164/FUL
Conversion of existing 2 dwellings into 1 dwellinghouse. Addition of new front porch canopy. Internal and external alterations.
Pending

View Planning Timeline