Semi-Detached

2 CHARTERS CROSS

HARLOW, ESSEX, CM18 6UG

£297,500

Location

Map view View on Google Maps View on OpenStreetMap Street View CM18 6UG

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Shopping Centre	0.1 miles
Shop	Lidl	0.1 miles
Train station	Harlow Town	1.9 miles
Hospital	Jacob's Neuro Centre	4.1 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Floor area

30 m²

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£297,500 Jan 2026

Price per m²

£9,917/m²

Local average

£417,500 (7 sales)

Street crime

265 incidents within 1 mile (Mar 2026)

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 09/04/2026

Current heating cost: £880/year

Potential heating cost: £572/year

Est. upgrade cost to C: £26,950

EPC E or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Cavity wall insulation (£900 - £1,500)
50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	19/01/2026	£297,500	Semi-detached	—	£304,511 to February 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
11 CHARTERS CROSS, HARLOW, ESSEX, CM18 6UG	£290,000	17/03/2023	Semi-detached
41 FINCHMOOR, HARLOW, ESSEX, CM18 6UD	£437,000	25/07/2022	Semi-detached
175 LONG BANKS, HARLOW, ESSEX, CM18 7NZ	£282,900	28/01/2022	Semi-detached
135 BISHOPSFIELD, HARLOW, ESSEX, CM18 6UP	£260,000	29/09/2021	Semi-detached
43 FINCHMOOR, HARLOW, ESSEX, CM18 6UE	£455,000	23/07/2021	Semi-detached
41 FINCHMOOR, HARLOW, ESSEX, CM18 6UD	£405,000	30/06/2021	Semi-detached

Area average: £354,983 (6 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth 8.2%

House Price Index (HM Land Registry — official index, not sold-price averages): Harlow. Series: Semi-detached. As of February 2026.

1y (index) 5.5%

5y (index) 18.2%

10y (index) 34.5%

Rental Range

Estimated market rent for Harlow. Low = conservative, Realistic = average, Optimistic = best case.

Low £1,363/mo

Realistic £1,514/mo

Optimistic £1,665/mo

Based on Local Authority from postcode lookup → Harlow.

LHA (30th percentile) floor for Harlow & Stortford: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
3 Bed Bungalow, Charters Cross, CM18	£1,750/mo	3	0 miles	OpenRent
3 Bed Terraced House, Abbotsweld, CM18	£1,850/mo	3	0.19 miles	OpenRent
3 Bed Terraced House, Joyners Field, CM18	£1,950/mo	3	0.36 miles	OpenRent
2 Bed Detached House, Brockles Mead, CM19	£1,500/mo	2	0.37 miles	OpenRent
4 Bed Terraced House, Hollyfield, CM19	£1,900/mo	4	0.38 miles	OpenRent
1 Bed Flat, Willowfield, CM18	£1,100/mo	1	0.39 miles	OpenRent
1 Bed Flat, Kingsland, CM18	£1,150/mo	1	0.4 miles	OpenRent
1 Bed Flat, Kingsland, CM18	£1,200/mo	1	0.4 miles	OpenRent
2 Bed Flat, Gravel Pit Farm, CM19	£1,450/mo	2	0.47 miles	OpenRent
2 Bed Flat, Brockles Mead, CM19	£1,250/mo	2	0.5 miles	OpenRent
2 Bed Terraced House, Waterhouse Moor, CM18	£1,700/mo	2	0.91 miles	OpenRent
4 Bed End Terrace, Church End, CM19	£2,500/mo	4	1.02 miles	OpenRent
3 Bed Maisonette, Hare St Springs, CM19	£1,800/mo	3	1.06 miles	OpenRent
Studio Flat, Terminus House, CM20	£675/mo	1	1.14 miles	OpenRent
2 Bed Flat, Terminus House, CM20	£995/mo	2	1.14 miles	OpenRent
2 Bed Terraced House, Peacocks, CM19	£1,500/mo	2	1.18 miles	OpenRent

Average rent: £1,517/mo (16 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 7.1% gross yield avg £293,750 sale, £1,750/mo rent

Rent ratio 0.5%

Max investor price (0.8%) £187,500

Target investor price (1%) £150,000

Gross yield 6.1%

Cost-to-rent ratio 16.5×

Monthly cashflow £153/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 2.1%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	94
Anti-social behaviour	35
Drugs	20
Burglary	19
Other theft	18
Vehicle crime	17
Public order	15
Shoplifting	15
Criminal damage and arson	14
Other crime	8
Possession of weapons	5
Bicycle theft	2
Robbery	2
Theft from the person	1
Total incidents	265

Within 1 mile during Mar 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Stewards Academy - Science Specialist, Harlow	Secondary	0.2 miles	Requires improvement — 19 Jun 2024
Abbotsweld Primary Academy	Primary	0.2 miles	Good — 11 Oct 2017
Longwood Primary Academy	Primary	0.4 miles	Good — 15 Dec 2017
St Luke's Catholic Academy	Primary	0.4 miles	Good — 23 Jan 2024
Sir Frederick Gibberd College	Secondary	0.4 miles	— (Inspected (no overall grade))

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 2 CHARTERS CROSS, HARLOW, ESSEX, CM18 6UG

## Property details

- Slug: `954b1f3` (address key hash: `954b1f31abcb072840458cf50a35720412b7d144`)
- Postcode: CM18 6UG
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Floor area: 30 m²
- EPC rating: E
- Year built: England and Wales: 1950-1966
- Last sold: £297,500 Jan 2026
- Price per m²: £9,917/m²
- Local average: £417,500 (7 sales)
- Street crime: 265 incidents within 1 mile (Mar 2026)

## Latest sale

- Price: £297,500
- Date: 2026-01-19
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Current heating cost:** £880/year
- **Est. upgrade cost to C:** £26,950

### Recommendations
- B (£900 - £1,500)
- Q (£7,500 - £11,000)
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0411-3061-1204-0536-0204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-19 | £297,500 | Semi-detached | — | £304,511 (to February 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c31-d534-591c-e063-4704a8c00c31) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 2 CHARTERS CROSS, HARLOW, ESSEX, CM18 6UG | £297,500 | 19/01/2026 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 11 CHARTERS CROSS, HARLOW, ESSEX, CM18 6UG | £290,000 | 17/03/2023 | Semi-detached |
| 41 FINCHMOOR, HARLOW, ESSEX, CM18 6UD | £437,000 | 25/07/2022 | Semi-detached |
| 175 LONG BANKS, HARLOW, ESSEX, CM18 7NZ | £282,900 | 28/01/2022 | Semi-detached |
| 135 BISHOPSFIELD, HARLOW, ESSEX, CM18 6UP | £260,000 | 29/09/2021 | Semi-detached |
| 43 FINCHMOOR, HARLOW, ESSEX, CM18 6UE | £455,000 | 23/07/2021 | Semi-detached |
| 41 FINCHMOOR, HARLOW, ESSEX, CM18 6UD | £405,000 | 30/06/2021 | Semi-detached |

**Area average:** £354,983 (6 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 8.2%

## House Price Index (HM Land Registry)

*Official index for Harlow; Semi-detached series; as of February 2026.*

- **1y growth (index):** 5.5%
- **5y growth (index):** 18.2%
- **10y growth (index):** 34.5%

## Rental Range

*ONS Price Index of Private Rents (Harlow). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,363/mo
- **Realistic:** £1,514/mo
- **Optimistic:** £1,665/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Harlow & Stortford (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Bungalow, Charters Cross, CM18 | £1,750/mo | 3 | 0 miles | OpenRent |
| 3 Bed Terraced House, Abbotsweld, CM18 | £1,850/mo | 3 | 0.19 miles | OpenRent |
| 3 Bed Terraced House, Joyners Field, CM18 | £1,950/mo | 3 | 0.36 miles | OpenRent |
| 2 Bed Detached House, Brockles Mead, CM19 | £1,500/mo | 2 | 0.37 miles | OpenRent |
| 4 Bed Terraced House, Hollyfield, CM19 | £1,900/mo | 4 | 0.38 miles | OpenRent |
| 1 Bed Flat, Willowfield, CM18 | £1,100/mo | 1 | 0.39 miles | OpenRent |
| 1 Bed Flat, Kingsland, CM18 | £1,150/mo | 1 | 0.4 miles | OpenRent |
| 1 Bed Flat, Kingsland, CM18 | £1,200/mo | 1 | 0.4 miles | OpenRent |
| 2 Bed Flat, Gravel Pit Farm, CM19 | £1,450/mo | 2 | 0.47 miles | OpenRent |
| 2 Bed Flat, Brockles Mead, CM19 | £1,250/mo | 2 | 0.5 miles | OpenRent |
| 2 Bed Terraced House, Waterhouse Moor, CM18 | £1,700/mo | 2 | 0.91 miles | OpenRent |
| 4 Bed End Terrace, Church End, CM19 | £2,500/mo | 4 | 1.02 miles | OpenRent |
| 3 Bed Maisonette, Hare St Springs, CM19 | £1,800/mo | 3 | 1.06 miles | OpenRent |
| Studio Flat, Terminus House, CM20 | £675/mo | 1 | 1.14 miles | OpenRent |
| 2 Bed Flat, Terminus House, CM20 | £995/mo | 2 | 1.14 miles | OpenRent |
| 2 Bed Terraced House, Peacocks, CM19 | £1,500/mo | 2 | 1.18 miles | OpenRent |

**Average rent: £1,517/mo (16 listings)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £187,500
- **Target investor price (1%):** £150,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

- **This street:** 7.1% gross yield (avg £293,750 sale, £1,750/mo rent)
*Based on OpenRent comparables (median £1,500/mo).*

- **Gross yield:** 6.1%
- **Cost-to-rent:** 16.5×
- **Monthly cashflow:** £153/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.1%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 94 |
| Anti-social behaviour | 35 |
| Drugs | 20 |
| Burglary | 19 |
| Other theft | 18 |
| Vehicle crime | 17 |
| Public order | 15 |
| Shoplifting | 15 |
| Criminal damage and arson | 14 |
| Other crime | 8 |
| Possession of weapons | 5 |
| Bicycle theft | 2 |
| Robbery | 2 |
| Theft from the person | 1 |
| **Total incidents** | **265** |

*Within 1 mile during Mar 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Stewards Academy - Science Specialist, Harlow | Secondary | 0.2 miles | Requires improvement — 19 Jun 2024 |
| Abbotsweld Primary Academy | Primary | 0.2 miles | Good — 11 Oct 2017 |
| Longwood Primary Academy | Primary | 0.4 miles | Good — 15 Dec 2017 |
| St Luke's Catholic Academy | Primary | 0.4 miles | Good — 23 Jan 2024 |
| Sir Frederick Gibberd College | Secondary | 0.4 miles | — (Inspected (no overall grade)) |