23 Union Road, Croydon, CR0 2XU

UPRN:100020629612Semi-Detached PropertyBeds -Built 1900-1929

FreeholdCouncil Tax: Band CEPC: E (49)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£487,000

£438k - £535kMedium

Estimate

£487k

Range

£438k – £535k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

6.90%

Verdict

Derived from HomePortfolio scores

23 Union Road earns an INVESTIGATE rating with HP Score 59/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (72/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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

59/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

82/ 100

Elevated

Walkability

72/ 100

High

Transit & Bike

Transit 49Bike 59

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£400,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,150-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: £242/mo
Cash on cash: 2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£487,000

Rent Estimate (pcm)£2,300

Gross Yield6.90%

1y Growth-

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price£93,000 (1997-09-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CR0 2XU

Approval Rate

-12mo

Development

low

26/03160/NMA
Non-material amendment to application 26/00740/FUL for 'Removal and replacement of existing combustible cladding and external wall elements with new non-combustible and associated works' to include a fourth floor window that was omitted from the existng and proposed east elevations.
Pending
26/03061/FUL
Convert existing Class C2/Childrens Care Home into a Class C4/HMO (5 bedrooms/6 occupants)
Pending
26/03054/DISC
Approval of details reserved by Condition 7 (Delivery and Servicing Plan) attached to planning permission ref. 25/01329/FUL (Erection of a part three, part four storey building with public house (Use Class Sui Generis) at ground floor level, a 16-room large House in Multiple Occupation (Use Class Sui Generis) on the upper floors, and a self-contained three-bedroom dwelling (Use Class C3) at first floor level, together with integrated cycle and refuse storage).
Pending

View Planning Timeline

Ownership

Corporate Ownership58.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-09-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,080

Population Density-

Owner Occupied29%

Age Distribution

0-15 23%16-64 67%65+ 10%

View Area Profile

Schools Nearby

Chestnut Park Primary School
0.2 mi
-
Elmwood Junior School
0.3 mi
Good
Elmwood Infant School
0.3 mi
Good
St Mary's Catholic High School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Union Road
-
£315k
-
51 - 53 Union Road
-
£355k
-
27 Union Road
-
£364k
-
25 Union Road
-
£313k
-

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