88 Ferndale Road, London, SE25 4QP

UPRN:100020646271Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: C (69)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£521,000

£469k - £573kMedium

Estimate

£521k

Range

£469k – £573k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

5.71%

Verdict

Derived from HomePortfolio scores

88 Ferndale Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (85/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 29Bike 68

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£525,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,300-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£41/mo
Cash on cash: -0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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£521,000

Rent Estimate (pcm)£2,500

Gross Yield5.71%

1y Growth-10.8%

3y Growth+2.9%

5y Growth+1.2%

10y Growth+2.4%

Last Sold Price£130,000 (2001-04-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1SE25 4QP

Approval Rate

100%12mo

Development

low

26/02918/FUL
Erection of a 2-storey dwelling at the rear of the plot
Pending
26/02876/DISC
Discharge of Informative (BNG Deemed Condition) of Planning Permission 25/03057/FUL for the Erection of a temporary single storey building (Use Class F2) containing a community space and ancillary office along with associated landscaping, refuse/recycling, and cycle parking facilities for a period of no more than 10 years.
Pending
26/02877/DISC
Discharge of condition 7 (lighting for biodiversity) of planning permission reference 25/03057/FUL for the 'Erection of a temporary single storey building (Use Class F2) containing a community space and ancillary office along with associated landscaping, refuse/recycling, and cycle parking facilities for a period of no more than 10 years.'
Approved

View Planning Timeline

Ownership

Corporate Ownership66.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2001-04-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,080

Population Density-

Owner Occupied70%

Age Distribution

0-15 22%16-64 68%65+ 10%

View Area Profile

Schools Nearby

Oasis Academy Ryelands
0.0 mi
Good
Oasis Academy Arena
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Crosfield Nursery School
0.3 mi
Good
South Norwood Primary
0.4 mi
Good

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

View All Schools

Comparables

View All

18 Ferndale Road
-
£560k
-
28 Ferndale Road
-
£605k
-
22 Ferndale Road
-
£410k
-
68 Ferndale Road
-
£475k
-

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