# 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: 79 m²
- EPC rating: C
- Year built: England and Wales: 1950-1966
- Last sold: £297,500 Jan 2026
- Price per m²: £3,766/m²
- Local average: £420,938 (8 sales)
- Street crime: 299 incidents within 1 mile (Apr 2026)

## Latest sale

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

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 15/11/2034
- **Current heating cost:** £786/year
- **Est. upgrade cost to C:** £14,500

### Recommendations
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9300-2896-9490-2094-2425)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-19 | £297,500 | Semi-detached | — | £303,941 (to March 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:** 30%
- **10y growth:** 43.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 7.3%
- **5y growth (index):** 18.5%
- **10y growth (index):** 33.2%

## 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 |
|------|------|------|------|------|
| 2 Bed Detached House, Brockles Mead, CM19 | £1,500/mo | 2 | 0.37 miles | OpenRent |
| 1 Bed Flat, Willowfield, CM18 | £1,100/mo | 1 | 0.39 miles | OpenRent |
| 2 Bed Flat, Gravel Pit Farm, CM19 | £1,450/mo | 2 | 0.47 miles | OpenRent |
| 2 Bed Terraced House, Peacocks, CM19 | £1,500/mo | 2 | 1.18 miles | OpenRent |

**Average rent: £1,388/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £184,375
- **Target investor price (1%):** £147,500

*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

*Based on OpenRent comparables (median £1,475/mo).*

- **Gross yield:** 5.9%
- **Cost-to-rent:** 16.8×
- **Monthly cashflow:** £131/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.8%

*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 | 108 |
| Anti-social behaviour | 39 |
| Public order | 22 |
| Burglary | 20 |
| Criminal damage and arson | 20 |
| Other theft | 20 |
| Shoplifting | 18 |
| Vehicle crime | 15 |
| Drugs | 14 |
| Bicycle theft | 11 |
| Other crime | 5 |
| Possession of weapons | 4 |
| Robbery | 2 |
| Theft from the person | 1 |
| **Total incidents** | **299** |

*Within 1 mile during Apr 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)) |