# 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 | | Last sold | £705,000 May 2023 | ## 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).* ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 18.3% - **10y growth:** 68.2% ## 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)