What kind of home is Bank Cottage, Flat 1, High Street, HP1 3AE?

Bank Cottage, Flat 1, High Street, HP1 3AE is a 1-bedroom mid-terrace house.

What was the last sold price for Bank Cottage, Flat 1, High Street, HP1 3AE?

Bank Cottage, Flat 1, High Street, HP1 3AE last sold for £195,500 in June 2018, around 8 years ago. Before that, it sold for £160,000 in August 2014, so prices have been rising over 4 years on record. Source: HM Land Registry.

How has the value of Bank Cottage, Flat 1, High Street, HP1 3AE changed over time?

Across 2 sales between August 2014 and June 2018, Bank Cottage, Flat 1, High Street, HP1 3AE rose from £160,000 to £195,500, a change of £35,500. That works out to roughly +5.4% per year compounded over 4 years. Source: HM Land Registry.

What is the EPC rating for Bank Cottage, Flat 1, High Street, HP1 3AE?

The current EPC rating for Bank Cottage, Flat 1, High Street, HP1 3AE is D with a score of 61 out of 100, lodged in July 2023. The assessor estimates the property could reach a B. Source: EPC Register.

How big is Bank Cottage, Flat 1, High Street, HP1 3AE?

Bank Cottage, Flat 1, High Street, HP1 3AE has a recorded floor area of 41 m² (441 sq ft), around 41 m² per bedroom. That makes it about 35% smaller than the median EPC-recorded property in HP1 3AE. Source: EPC Register.

What heating system does Bank Cottage, Flat 1, High Street, HP1 3AE use?

The latest EPC at Bank Cottage, Flat 1, High Street, HP1 3AE records electricity as the main heating fuel. Source: EPC Register.

Which area is Bank Cottage, Flat 1, High Street, HP1 3AE in?

Bank Cottage, Flat 1, High Street, HP1 3AE sits in Hemel Hempstead. It falls within the HP1 postcode district in Hertfordshire.

Is Bank Cottage, Flat 1, High Street, HP1 3AE in a safe area?

Police records around Bank Cottage, Flat 1, High Street, HP1 3AE show an average of 245 reported crimes per month over the last 14 months. Violent crime makes up roughly 34% of reports, the most common category. The overall trend is falling (15% versus the prior period). Source: Police UK.

What schools are near Bank Cottage, Flat 1, High Street, HP1 3AE?

The closest primary school to Bank Cottage, Flat 1, High Street, HP1 3AE is George Street Primary School (289m), one of 28 primaries within walking distance. The closest secondary is Laureate Academy (768m), with 6 secondaries in the surrounding area.

What transport links are near Bank Cottage, Flat 1, High Street, HP1 3AE?

The closest bus stop to Bank Cottage, Flat 1, High Street, HP1 3AE is Fensomes Alley, 137m away. In total there are 30 bus stops within the surrounding area.

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Bank Cottage, Flat 1, High Street, Hemel Hempstead, HP1 3AE

Estimated value

£239,000

Since the 2018 sale (£195,500)+22%
Against HP1 3AE's recent median (£163,000)+47%

Newest record on this page: July 2023. Land Registry and EPC registers update monthly, so this page can trail them by 2–3 months.

Learn about this valuation

Property type

Mid terrace

Bedroom

Bathroom

Floor area

41 m²

441 sq ft

Energy rating

Score 61

Tenure

Owner Occupied

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Valuation

About this valuation

How the figure is worked out and what it's based on. If you know this home, you can tell other visitors what you think it's worth.

Our estimate

£239,000

Against its 2018 sale (£195,500)+22%
Against HP1 3AE's recent median (£163,000)+47%

Your note and figure are shown publicly on this page.

How the estimate is made

The estimate for Bank Cottage is modelled from its 41 m² EPC floor area, its 2 recorded sales and recent sales of comparable homes in HP1 3AE. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.

What it's based on

Floor area
41 m² from the EPC lodged in July 2023
Sales of this home
2 sales recorded, the latest in 2018
Recent sales in HP1 3AE
5 sales, median £163,000 (2022–2016)

This page or the full report?

Data	This page	Full report
Sales	Latest sale shown: February 2022	Latest available records, read when you order
Valuation	Estimate from the last refresh	Analysed against comparable sales
Planning	None on this home	Full history, plus nearby schemes
Flood risk	Not shown	Included

Price

Sales history & valuation

Every recorded sale of this home, how its price has moved, and what neighbouring properties have sold for.

Bank Cottage valuation sits well clear of the typical sold price in this postcode.

Sales timeline

7 June 2018Most recent
£195,500
+22.2%over 3 years
14 August 2014
£160,000

Median price across the last 5 sales in HP1 3AE: £163,000 (2022–2016).

Nearby sales in HP1 3AE

Risks

What this page doesn't show

Nothing is flagged from the data on this page, but these checks are only run in the report. The detail, evidence and what to ask about it are in the Risks Report.

Flood risk from rivers, sea and surface waterIn report
Subsidence and ground-stability signalsIn report
Refusals, enforcement and big schemes nearbyIn report

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Overview

About Bank Cottage

A plain-English summary derived from public records, EPC certificates, sold prices and local data.

Bank Cottage is a one-bedroom mid-terrace house in Hemel Hempstead (HP1 3AE). It has a recorded floor area of 41 m² (around 441 sq ft) and construction records dating it to 1900-1929. The latest certificate (July 2023) shows a D (score 61), on the cusp of jumping into the C band. The recommended improvements would lift it to B (score 88), a 2-band jump. Main heating runs on electricity.

At 41 m² it sits well below the postcode median (94 m² across 9 EPCs), making it one of the more compact homes locally. Across 2014–2018, sale prices on this property compounded at 5.4% per year. Today's modelled estimate of £239,000 is 22.3% above the 2018 sale price. On a £-per-square-foot basis, the last sale (£443/sq ft) was about 113.4% above the typical sold price in the postcode. Last changed hands 8 years ago, in June 2018.

Specifications

What this property has

Pulled from EPC certificates, claim submissions and our property model. Empty categories are hidden — we only show what's known.

Inside

Bedrooms1
Bathrooms1
Open-plan layoutYes
Dining roomYes
Utility roomYes
CloakroomYes
EnsuiteYes
FireplaceYes

Outside

Communal gardenYes
ParkingYes

Building

RefurbishedYes

Before you decide

Everything you need to know about Bank Cottage

The true value, the hidden risks and the full sale history, in one report.

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The data behind every report

Energy

Energy performance

Every EPC certificate filed against this property — current rating, recorded improvements, and where there's headroom to reach a higher band.

Recommended upgrades on file would lift this property by multiple EPC bands.

Current Certificate

Jul 2023

EPC Rating

D61

Main Heating

Electric

Main Fuel

Electric

Hot Water

Very Poor

Windows

Good

CO2 Emissions

3.3 t/year

Occupancy

Owner Occupied

Certificate validity

Valid until 3 July 2033

6 years remaining

Planning

Planning history

Applications and permits filed against Bank Cottage, Flat 1, High Street, Hemel Hempstead, HP1 3AE, sourced from the PlanIt planning register.

Bank Cottage has no planning applications on record.

But the area is active

1 notable application nearby — larger schemes and conversions that could reshape the street. The report maps them all.

On the street

Versus other High Street homes

Four headline reads against 4 similar houses on this street, drawn from the latest EPC and Land Registry data.

On floor area, Bank Cottage runs well behind the street norm.

EPC Rating

61 (D)

Street avg 55 (D)

Above

Floor Area

41 m²

Street avg 148 m²

Strongly below

CO₂ Emissions

3.3 t/year

Street avg 7.3 t/year

Strongly above

Habitable Rooms

2 rooms

Street avg 6 rooms

Strongly below

Area

The neighbourhood at a glance

A condensed read of the local area. Each tile links through to the full breakdown on the Hemel Hempstead district page.

Full Hemel Hempstead report

Crime

245/mo

Falling year-on-year across the wider district.

Nearest stop

0.1 km

Fensomes Alley — bus stop.

Closest school

0.3 km

George Street Primary School. 34 schools nearby.

Nearest schools

George Street Primary SchoolPrimary289m
Gade Valley Primary SchoolPrimary656m
St Cuthbert Mayne Voluntary Catholic Junior AcademyPrimary736m
Laureate AcademySecondary768m

Nearest stops

Fensomes AlleyBus stop137m
The Old Town HallBus stop171m
The BuryBus stop180m
West Herts CollegeBus stop181m

Most reported crime locally

Violence & Sexual Offences1,150 reports34%
Anti-social Behaviour874 reports25%
Shoplifting270 reports8%
Criminal Damage & Arson244 reports7%

Go deeper on the local area

A Local Area report breaks down crime, transport links, schools and air quality in depth.

Noise

Road noise across the postcode

Modelled day and night-time noise levels around HP1 3AE from Defra's strategic mapping. The pin marks this postcode's centroid.

Daytime· 07:00 – 23:00

53.3dB

Low

Night-time road noise heatmap for HP1 3AE

Night-time· 23:00 – 07:00

43.1dB

Low

55 dB

60 dB

65 dB

70 dB

75 dB

80 dB

Defra Road Noise Strategic Mapping, Round 4

Get a survey for this property

Level 3 Building Survey

Victorian-eraMid-Terrace HouseEPC DPre-1919 buildNo mains gasSolid (non-cavity) walls

Because the property was built before 1919, has no mains gas supply, and has solid (non-cavity) walls, we believe a Level 3 building survey should be considered.

From £885 · Includes VAT

Comparables

Where every figure above comes from, how current it is and what it can't tell you.

Valuation method in detail

How the estimate is made: The estimate for Bank Cottage is modelled from its 41 m² EPC floor area, its 2 recorded sales and recent sales of comparable homes in HP1 3AE. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.
Where sold prices come from: Sold prices are HM Land Registry Price Paid Data, which covers residential sales in England and Wales since 1995. 2 sales are recorded for Bank Cottage. Sales normally appear two to three months after completion, so the most recent ones take time to show up anywhere.
Reading the EPC: Energy Performance Certificates rate homes from A (most efficient) to G and last 10 years. The latest one for Bank Cottage was lodged in July 2023 at band D and is valid until July 2033. Floor area, heating and insulation details on this page come from it.
Planning records: Planning applications are collected from local authority registers through PlanIt. None is matched to Bank Cottage. Councils sometimes file applications under a different address format, and applications on neighbouring land aren't listed here; the report covers both.
Area figures: Crime is police-recorded street-level data over the last 14 months, which places each incident at an approximate point. The 34 schools and 30 stops listed are measured in a straight line from HP1 3AE, not by walking route. Road noise is Defra's strategic noise modelling, averaged across the postcode.

FAQ

Common questions

The questions buyers, sellers and homeowners most often ask about Bank Cottage, Flat 1, High Street, Hemel Hempstead, HP1 3AE. Each answer is also embedded as structured data for search engines.

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Bank Cottage, Flat 1, High Street, Hemel Hempstead, HP1 3AE

How the estimate is made

What it's based on

This page or the full report?

Sales timeline

Nearby sales in HP1 3AE

Inside

Outside

Building

Everything you need to know about Bank Cottage

EPC Rating

Nearest schools

Nearest stops

Most reported crime locally

Level 3 Building Survey

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