Flat 3, 46 Underhill Road, London, SE22 0QT

UPRN:10000815466Converted Flat2 bedsBuilt 1900-1929

Tenure: -Council Tax: Band DEPC: D (66)

Data freshness:Listing· freshPlanning· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

Flat 3, 46 Underhill Road, London, SE22 0QT

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£570,000

£513k - £627kMedium

Estimate

£570k

Range

£513k – £627k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

4.80%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 80/100. Investment score 78/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (77/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

78/ 100

High

Crime Score

25/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 51Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -9.6% (MEDIUM), sold-comps -3.0%, £/sqft -3.0%] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10000815466· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 21.2%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.88
- valuation_snapshotsrent estimate 2500/mo (range 2300-2700)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -929/mo, -37% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 38 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity12.8/15
275 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£469,000£719,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£625,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,300-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£379/mo
Cash on cash: -2.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10000815466Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 21.2%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2500/mo (range 2300-2700)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2500/mo (range 2300-2700)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£570,000

Rent Estimate (pcm)£2,500

Gross Yield4.80%

1y Growth-

3y Growth+2.5%

5y Growth-0.2%

10y Growth+1.6%

Last Sold Price£350,000 (2012-02-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4SE22 0QT

Approval Rate

100%12mo

Development

low

26/AP/3189
Details of condition 4 (Pre commencement site meeting) as required by planning permission ref. 26/AP/2437 dated 15/10/2026 for 'Erection of single-storey seperate rear extensions to both properties following demolition of the existing single-storey rear outriggers, construction of detached garden studios, associated hard and soft landscaping works, and removal of existing rooflights with the installation of replacement and additional rooflights within the existing loft spaces'.
Pending
26/AP/3188
Demolition of existing garage and construction of a new garage.
Pending
26/AP/3151
T1 Oak (identified as T6 on the submitted plan) in the rear garden - fell.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2012-02-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,006

Population Density-

Owner Occupied47%

Age Distribution

0-15 18%16-64 71%65+ 11%

View Area Profile

Schools Nearby

Goodrich Community Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Anthony's Catholic Primary School
0.4 mi
Inspected as St Anthony's Catholic Primary School (URN 100852) on 25 Nov 2021
Horniman Primary School
0.4 mi
Good
Fairlawn Primary School
0.6 mi
GoodImproving

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Underhill Road
-
£1.68M
-
40 Underhill Road
-
£413k
-
40 Underhill Road
-
£3k
-
60A Underhill Road
-
£600k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN