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Bank Cottage, Flat 2, High Street, Hemel Hempstead, HP1 3AE

Estimated value

£173,000

  • Since the 2021 sale (£163,000)+6%
  • Against HP1 3AE's recent median (£180,000)-4%

Newest record on this page: July 2026. Land Registry and EPC registers update monthly, so this page can trail them by 2–3 months.

Learn about this valuation
Bedroom
1
Bathroom
1
Floor area
29 m²
312 sq ft
Energy rating
E
Score 42
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

£173,000

  • Against its 2021 sale (£163,000)+6%
  • Against HP1 3AE's recent median (£180,000)-4%

Your note and figure are shown publicly on this page.

How the estimate is made

The estimate for Bank Cottage is modelled from its 29 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

    29 m² from the EPC lodged in July 2026

  • Sales of this home

    2 sales recorded, the latest in 2021

  • Recent sales in HP1 3AE

    5 sales, median £180,000 (2022–2016)

This page or the full report?

DataThis pageFull report
SalesLatest sale shown: February 2022Latest available records, read when you order
ValuationEstimate from the last refreshAnalysed against comparable sales
PlanningNone on this homeFull history, plus nearby schemes
Flood riskNot shownIncluded
Price

Sales history & valuation

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

The latest sale landed in the post-pandemic price surge — useful context when reading the figure.

Sales timeline

  1. 19 November 2021Most recent

    £163,000

    +25.4%over 7 years

  2. 28 August 2014

    £130,000

Median price across the last 5 sales in HP1 3AE: £180,000 (2022–2016).

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

One time fee only - money back guarantee

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 property in Hemel Hempstead (HP1 3AE). It has a recorded floor area of 29 m² (around 312 sq ft) and construction records dating it to before 1900. At 29 m² this is the smallest unit on EPC record across Bank Cottage (29–41 m²). The building's EPC ratings span E to D, with this unit at the bottom. On EPC score it ranks last in the building (42 versus a best of 61). The latest certificate (July 2026) shows an E (score 42), well below the UK norm with real room to improve. The rating has held steady at E across 2 certificates since September 2025. Between certificates, window efficiency went from Poor to Average. The recommended improvements would lift it to C (score 77), a 2-band jump. Main heating runs on electricity. This certificate was lodged in the last six months, so the rating reflects current condition.

At 29 m² it sits well below the postcode median (94 m² across 9 EPCs), making it one of the more compact homes locally. Across 2014–2021, sale prices on this property compounded at 3.2% per year. On a £-per-square-foot basis, the last sale (£522/sq ft) was about 151.6% above the typical sold price in the postcode. Most recent transfer: November 2021 at £163,000. That sale was during the post-pandemic price surge, when transactions cleared materially above pre-2020 trend.

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
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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Preview of the full property report

The data behind every report

  • HM Land Registry, source of sold price history
  • Department for Education, source of schools data
  • Police.uk, source of crime statistics
  • Department for Transport, source of stations and transport links
  • Environment Agency, source of flood risk data
  • Department for Environment, Food & Rural Affairs, source of road noise data
  • PlanIt, source of planning application records
Energy

Energy performance

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

Bank Cottage's carbon output is low for the local stock.

Current Certificate(1 of 2)
Jul 2026

EPC Rating

A
B
C
D
E
E42
F
G
Main Heating
Electric
Main Fuel
Electric
Hot Water
Very Poor
Windows
Average
CO2 Emissions
0.8 t/year
Occupancy
Owner Occupied

Certificate validity

Valid until 6 July 2036

9 years remaining

Property Improvements

Changes detected from historical EPC data

Jul 2026from Sept 2025
Windows
PoorAverage

Window efficiency improved

Planning

Planning history

Applications and permits filed against Bank Cottage, Flat 2, High Street, Hemel Hempstead, HP1 3AE, sourced from the PlanIt planning register.

Bank Cottage has no planning applications on record.

1

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 5 similar flats on this street, drawn from the latest EPC and Land Registry data.

On price per m², Bank Cottage stands well clear of the street.

Price per m²

£5,621

Street avg £2,374

Strongly above

Floor Area

29 m²

Street avg 63 m²

Strongly below

Habitable Rooms

2 rooms

Street avg 3 rooms

Below

CO₂ Emissions

0.8 t/year

Street avg 4.6 t/year

Strongly above
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 road noise heatmap for HP1 3AE

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
SDL Surveying

Get a survey for this property

Level 3 Building Survey

Victorian-eraGround Floor FlatEPC EPre-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 £820 · Includes VAT

Comparables

Similar properties nearby

A handful of close matches in the same postcode area, ranked by likeness on bedrooms, type and floor area.
£171k

Flat 1, 31 High Street

HP1 3AA

Flat1 bed
£186k

Bank Cottage, Flat 3, High Street

HP1 3AE

Flat1 bed1 bath
£196k

Flat 1, 69 High Street

HP1 3EJ

Flat1 bed1 bath
£239k

Bank Cottage, Flat 1, High Street

HP1 3AE

Flat1 bed1 bath
£167k

39a, Flat 2, High Street

HP1 3AA

Flat
£186k

9a, Flat 1, High Street

HP1 3AA

Flat
£186k

Flat 1, 23 High Street

HP1 3AA

Flat
£187k

57a, Flat 1, High Street

HP1 3AF

Flat

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Method

How to read this page

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 29 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 2026 at band E and is valid until July 2036. 2 certificates are on record, which shows how the home has changed.
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 2, High Street, Hemel Hempstead, HP1 3AE. Each answer is also embedded as structured data for search engines.

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