Sold STC Semi-detached

20 CHURCHFIELD

HARPENDEN, HERTFORDSHIRE AL5 1LL

3 beds 2 baths 1,227 sq ft Listed 31 Jan 2023 (-1266d)

£725,000

Guide Price

Save

# 3 bedroom semi-detached house for sale (AL5 1LL)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 CHURCHFIELD, HARPENDEN, HERTFORDSHIRE AL5 1LL |
| Price | £725,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | E |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 114 m² |
| Last sold | £705,000 May 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 29/01/2033
- **Current heating cost:** £821/year
- **Est. upgrade cost to C:** £10,750

### Recommendations
- A2 (£850 - £1,500)
- W2 (£4,000 - £6,000)
- E (£75)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/7602-3023-6209-7267-6200)

## Description

**The Property:**

A spacious and extended three bedroom family home on a wide plot in this pleasant South Harpenden Cul-de-Sac

**Description:**

This spacious family home is available for the first time in over 50 years having been lovingly cared for by our current clients.  The accommodation is neatly arranged over two floors and benefits from two periods of extension to the side and rear.  Downstairs there is a large entrance hall with stairs to the first floor and doors to a recently re-fitted shower room.  There is a large living room to the front that overlooks this peaceful street scene and to the rear an extended dining room and separate kitchen.  Behind the garage a third reception room completes the ground floor space.   Upstairs there are three generous bedrooms, the master of which has been extended and a large family bathroom that has been extended over the garage.

The front of the house is neatly landscaped with a large driveway and access to the garage.  The rear garden is beautifully cared for and presents a pleasant lawn and an array of neatly tended flower beds.  An excellent home for any stage of life.

Council Tax Band E £2,466.60 22/23

**Location:**

Churchfield is a pleasant cul-de-sac that offers a wonderful environment for family living.  Situated on the South side of Harpenden just off Piggottshill Lane, the area is extremely convenient for access to Southdown's shops, pubs and restaurants and is but a short walk from the open spaces of Harpenden Common.   The renowned Crabtree, High Beeches and Grove schools are all within half a mile of the house.

## Property Photos

- ![Front](/listings/photos/131256467/1068227) - Front
- ![Lounge](/listings/photos/131256467/1068228) - Lounge
- ![Lounge/Diner](/listings/photos/131256467/1068229) - Lounge/Diner
- ![Dining Area](/listings/photos/131256467/1068230) - Dining Area
- ![Kitchen/Breakfast](/listings/photos/131256467/1068231) - Kitchen/Breakfast
- ![Kitchen](/listings/photos/131256467/1068232) - Kitchen
- ![Family Room](/listings/photos/131256467/1068233) - Family Room
- ![Hallway](/listings/photos/131256467/1068234) - Hallway
- ![Bedroom](/listings/photos/131256467/1068235) - Bedroom
- ![Bedroom](/listings/photos/131256467/1068236) - Bedroom
- ![Bedroom](/listings/photos/131256467/1068237) - Bedroom
- ![Bathroom](/listings/photos/131256467/1068238) - Bathroom
- ![Bathroom](/listings/photos/131256467/1068239) - Bathroom
- ![Landing](/listings/photos/131256467/1068240) - Landing
- ![Landing](/listings/photos/131256467/1068241) - Landing
- ![Garden](/listings/photos/131256467/1068242) - Garden
- ![Garden](/listings/photos/131256467/1068243) - Garden
- ![Garden](/listings/photos/131256467/1068244) - Garden
- ![Front](/listings/photos/131256467/1068245) - Front

## Floorplans

- ![Floorplan](/listings/photos/131256467/1068246) - Floorplan

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #9884652
- **Address:** 20 Churchfield, HARPENDEN, AL5 1LL
- **Certificate Issued:** 04/11/2013
- **Work Completed:** 23/10/2013
- **Items:** 2 window(s)

### FENSA Certificate #9551295
- **Address:** 20 Churchfield, HARPENDEN, AL5 1LL
- **Certificate Issued:** 20/05/2013
- **Work Completed:** 03/05/2013
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 CHURCHFIELD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LL | £705,000 | 26/05/2023 | 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 |
|---------|-------|------|------|
| 1 ROWAN WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TJ | £1,037,500 | 30/01/2025 | Semi-detached |
| 98 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP | £780,000 | 27/11/2023 | Semi-detached |
| 4 MEADOW WALK, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TG | £1,076,000 | 29/09/2023 | Semi-detached |
| 75 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY | £865,000 | 14/08/2023 | Semi-detached |
| 35 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LR | £605,000 | 02/06/2023 | Semi-detached |
| 82 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TS | £995,000 | 19/05/2023 | Semi-detached |
| 38 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TN | £1,160,000 | 10/03/2023 | Semi-detached |
| 32 MEADOW WALK, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TG | £1,160,000 | 20/12/2022 | Semi-detached |
| 27 CHURCHFIELD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LJ | £645,000 | 05/12/2022 | Semi-detached |
| 63 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TH | £1,048,500 | 18/11/2022 | Semi-detached |
| 56 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TQ | £1,045,000 | 07/11/2022 | Semi-detached |
| 88 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP | £1,130,000 | 21/10/2022 | Semi-detached |
| 46 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TQ | £959,459 | 07/10/2022 | Semi-detached |
| 102 SOUTHDOWN ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1QQ | £1,000,000 | 30/09/2022 | Semi-detached |
| 82 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP | £1,300,000 | 23/09/2022 | Semi-detached |
| 81 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY | £1,300,000 | 19/08/2022 | Semi-detached |
| 50 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LW | £860,000 | 11/08/2022 | Semi-detached |
| 31 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LN | £875,000 | 01/06/2022 | Semi-detached |
| 64 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP | £800,000 | 31/03/2022 | Semi-detached |
| 71 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY | £800,000 | 28/03/2022 | Semi-detached |

**Area average:** £972,073 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £1,036,906 (28 Semi-detached, AL5, 2024–2026)
- **Deviation:** -30.1%

## Rental Range

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

- **Low:** £1,733/mo
- **Realistic:** £1,925/mo
- **Optimistic:** £2,118/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,097/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Detached House, Southdown Road, AL5 | £4,250/mo | 3 | 0.36 miles | OpenRent |

**Average rent: £4,250/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.59% (weak for cashflow)
- **Max investor price (0.8%):** £531,250
- **Target investor price (1%):** £425,000

*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

*Based on OpenRent comparables (median £4,250/mo).*

- **Gross yield:** 7%
- **Cost-to-rent:** 14.2×
- **Monthly cashflow:** £945/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 5.4%

*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).*

## Price per Square Metre

- **£/m²:** £6,360/m²

## Capital growth trend

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

- **5y growth:** 18.7%
- **10y growth:** 68.9%

## House Price Index (HM Land Registry)

*Official index for St Albans; Semi-detached series; as of April 2026.*

- **1y growth (index):** 2.6%
- **5y growth (index):** 15.9%
- **10y growth (index):** 24.2%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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

Front Lounge Lounge/Diner Dining Area Kitchen/Breakfast Kitchen Family Room Hallway Bedroom Bedroom Bedroom Bathroom Bathroom Landing Landing Garden Garden Garden Front

/ 19

Property details

Tenure

FREEHOLD

Floor area

114 m²

Council tax band

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£705,000 May 2023

Price per m²

£6,360/m²

Local average

£1,036,906 (-30.1%)

Deprivation

Decile 10 (33,621 of 33,755)

Street crime

88 incidents within 1 mile (May 2026)

Additional details

Parking: Yes
Garden: Yes

Description

The Property:

A spacious and extended three bedroom family home on a wide plot in this pleasant South Harpenden Cul-de-Sac

Description:

This spacious family home is available for the first time in over 50 years having been lovingly cared for by our current clients. The accommodation is neatly arranged over two floors and benefits from two periods of extension to the side and rear. Downstairs there is a large entrance hall with stairs to the first floor and doors to a recently re-fitted shower room. There is a large living room to the front that overlooks this peaceful street scene and to the rear an extended dining room and separate kitchen. Behind the garage a third reception room completes the ground floor space. Upstairs there are three generous bedrooms, the master of which has been extended and a large family bathroom that has been extended over the garage.
The front of the house is neatly landscaped with a large driveway and access to the garage. The rear garden is beautifully cared for and presents a pleasant lawn and an array of neatly tended flower beds. An excellent home for any stage of life.
Council Tax Band E £2,466.60 22/23

Location:

Churchfield is a pleasant cul-de-sac that offers a wonderful environment for family living. Situated on the South side of Harpenden just off Piggottshill Lane, the area is extremely convenient for access to Southdown's shops, pubs and restaurants and is but a short walk from the open spaces of Harpenden Common. The renowned Crabtree, High Beeches and Grove schools are all within half a mile of the house.

Listed by

Harpenden

Ashtons

Reference: 131256467

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 30/01/2023

Expiry date: 29/01/2033

Current heating cost: £821/year

Potential heating cost: £699/year

Est. upgrade cost to C: £10,750

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

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Floor insulation (solid floor) (£4,000 - £6,000)
Low energy lighting for all fixed outlets (£75)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #9884652

Property Details

Street: 20 Churchfield

Town: HARPENDEN

Postcode: AL5 1LL

Installation Details

Items: 2 windows

Certificate Issued: 04/11/2013

Work Completed: 23/10/2013

This certificate data was retrieved from FENSA's database

FENSA Certificate #9551295

Property Details

Street: 20 Churchfield

Town: HARPENDEN

Postcode: AL5 1LL

Installation Details

Items: 1 door

Certificate Issued: 20/05/2013

Work Completed: 03/05/2013

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	26/05/2023 (3 years ago)	£705,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
1 ROWAN WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TJ	£1,037,500	30/01/2025	Semi-detached
98 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP	£780,000	27/11/2023	Semi-detached
4 MEADOW WALK, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TG	£1,076,000	29/09/2023	Semi-detached
75 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY	£865,000	14/08/2023	Semi-detached
35 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LR	£605,000	02/06/2023	Semi-detached
82 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TS	£995,000	19/05/2023	Semi-detached
38 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TN	£1,160,000	10/03/2023	Semi-detached
32 MEADOW WALK, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TG	£1,160,000	20/12/2022	Semi-detached
27 CHURCHFIELD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LJ	£645,000	05/12/2022	Semi-detached
63 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TH	£1,048,500	18/11/2022	Semi-detached
56 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TQ	£1,045,000	07/11/2022	Semi-detached
88 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP	£1,130,000	21/10/2022	Semi-detached
46 BARNFIELD ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TQ	£959,459	07/10/2022	Semi-detached
102 SOUTHDOWN ROAD, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1QQ	£1,000,000	30/09/2022	Semi-detached
82 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP	£1,300,000	23/09/2022	Semi-detached
81 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY	£1,300,000	19/08/2022	Semi-detached
50 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LW	£860,000	11/08/2022	Semi-detached
31 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LN	£875,000	01/06/2022	Semi-detached
64 PIGGOTTSHILL LANE, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 1LP	£800,000	31/03/2022	Semi-detached
71 TOPSTREET WAY, HARPENDEN, ST ALBANS, HERTFORDSHIRE, AL5 5TY	£800,000	28/03/2022	Semi-detached

Area average: £972,073 (20 sales)

Capital growth trend

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

5y growth 18.7%

10y growth 68.9%

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

1y (index) 2.6%

5y (index) 15.9%

10y (index) 24.2%

Rental Range

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

Low £1,733/mo

Realistic £1,925/mo

Optimistic £2,118/mo

Based on Local Authority from postcode lookup → St Albans.

LHA (30th percentile) floor for Luton: £1,097/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View AL5 1LL

Nearby

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

Type	Name	Distance
Bus stop	Churchfield	0.1 miles
Shop	Co-op Food	0.1 miles
Shop	SmartSpray Repairs Limited	0.1 miles
Bus stop	Barnfield Road	0.1 miles
Train station	Harpenden	0.6 miles
Train station	St Albans City	4.1 miles
University	University Of Bedfordshire	5.5 miles
Hospital	Luton and Dunstable Hospital	8.3 miles
Hospital	Widecombe Nursing Home	8.4 miles

Street-level crime

Category	Count
Vehicle crime	26
Shoplifting	19
Anti-social behaviour	14
Violence and sexual offences	14
Burglary	5
Other theft	4
Drugs	3
Criminal damage and arson	1
Possession of weapons	1
Public order	1
Total incidents	88

Within 1 mile during May 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
The Grove Junior School	Primary	0.2 miles	Good — 15 Apr 2013
The Grove Infant and Nursery School	Primary	0.3 miles	Outstanding — 17 Dec 2023
High Beeches Primary School	Primary	0.4 miles	Outstanding — 26 Apr 2017
St Dominic Catholic Primary School	Primary	0.4 miles	Outstanding — 18 Jan 2024
Crabtree Infants' School	Primary	0.5 miles	Outstanding — 18 Mar 2024

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
3 Bed Detached House, Southdown Road, AL5	£4,250/mo	3	0.36 miles	OpenRent

Average rent: £4,250/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.59%

Max investor price (0.8%) £531,250

Target investor price (1%) £425,000

Gross yield 7%

Cost-to-rent ratio 14.2×

Monthly cashflow £945/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 5.4%

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).