27 Cray Road, Belvedere, DA17 6NB

UPRN:100020188910-Beds -Built 1930-1949

Tenure: -Council Tax: Band EEPC: D (63)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

5 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

17 of 21 sources

Sale Estimate

£490,000

£392k - £588kLow

Estimate

£490k

Range

£392k – £588k

Rent Estimate (pcm)

£2,400

£2k - £3k

Monthly

£2,400

Yield

6.40%

Verdict

Derived from HomePortfolio scores

27 Cray Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (57/100). 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)Defra 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

57/ 100

Moderate

Transit & Bike

Transit 43Bike 37

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics10.2/40
gross yield 6.4%; range width penalty ×0.91
- valuation_snapshotsrent estimate 2400/mo (range 2250-2600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -264/mo, -11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.2/15
145 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£450,000

At the asking price

Monthly rent£2,400/mo

Evidenced range £2,250-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £143/mo
Cash on cash: 1.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - clears 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_snapshotsrent estimate 2400/mo (range 2250-2600)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2400/mo (range 2250-2600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£490,000

Rent Estimate (pcm)£2,400

Gross Yield6.40%

1y Growth-

3y Growth+1.4%

5y Growth+2.4%

10y Growth+2.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DA17 6NB

Approval Rate

-12mo

Development

low

26/02062/GPDOT
Notification of permitted development for the removal of the existing 12M pole to be replaced by a proposed 20M pole supporting 6 antennas and 1 relocated 300M dish, together with the installation of 1 meter cabinet and ancillary development thereto.
Pending
26/02011/S211
Works to various trees within the Brook Street Conservation Area.
Pending
25/01059/FUL02
Application to approve details of conditions 5 (Refuse Storage), 6 (Cycle Storage), 8 (Bird and Bat Boxes), 9 (External Lighting), 10 (Landscaping), 11 (Privacy Screens), 12 (Acoustic Report), 13 (Noise Attenuation), 14 (Vehicle Parking), 18 (Accessible Dwellings) and 19 (Water Efficiency) pursuant to application 25/01059/FUL for Erection of 7 x residential flats comprising 3 x 1 bedroom and 4 x 2-bedroom units alongside the provision of car and cycle spaces following demolition of existing garages.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,883

Population Density5,461 /km²

Owner Occupied84%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

Break Through School
0.1 mi
Inspected by ISI
Lessness Heath Primary School
0.3 mi
Good
Belmont Academy
0.5 mi
Good
Bedonwell Infant and Nursery School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Cray Road
-
£470k
-
9 Cray Road
-
£505k
-
18 Cray Road
-
£390k
-
17 Cray Road
-
£410k
-

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