9 Howard Road, London, SE25 5BU

UPRN:100020649455Mid Terrace House3 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: -

Data freshness:Listing· freshPlanning· 4mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£498,000

£473k - £523kHigh

Estimate

£498k

Range

£473k – £523k

Rent Estimate (pcm)

£2,400

£2k - £3k

Monthly

£2,400

Yield

5.76%

Verdict

Derived from HomePortfolio scores

9 Howard Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (83/100). 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 SourcesPortal 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

83/ 100

High

Transit & Bike

Transit 37Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 24 Oct 2026

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

Valuation edge0/15
claims [AVM -0.4% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100020649455· as of 9 Oct 2026
Rental economics5.8/40
gross yield 5.8%; range width penalty ×0.95
- valuation_snapshotsrent estimate 2400/mo (range 2250-2550)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -475/mo, -20% 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 24 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 86 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 24 Oct 2026
Risk & liquidity14.6/15
331 sales/12mo in area; valuation range width 10%
- 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

£375,000£575,000

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£500,000

At the asking price

Monthly rent£2,400/mo

Evidenced range £2,250-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£26/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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_snapshotsestimate for 100020649455Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2400/mo (range 2250-2550)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 24 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 24 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 2400/mo (range 2250-2550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 86 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£498,000

Rent Estimate (pcm)£2,400

Gross Yield5.76%

1y Growth+86.1%

3y Growth+3.2%

5y Growth+1.1%

10y Growth+2.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SE25 5BU

Approval Rate

-12mo

Development

low

26/02928/CAT
G1 Spruce, Cupressus, Ash, (Group of small trees) Fell and treat stump of Ash sapling fouling school sign T2 Myrobalan Plum Remove regrown shoots and re-treat stump T3 Common or Black Elder Remove regrown shoots and re-treat stump T10 Narrowleaf Ash Reduce crown height - by 2.5m Reduce crown radial spread - by 1.5-2m Remove - Suspended or broken branches T16 Robinia Remove - Basal growth T17 Tibetan Cherry Reduce crown - To previous reduction points T18 Narrowleaf Ash Reduce crown height - by 2.0m Reduce crown radial spread - by 2.0m Remove - Minor dead wood Raise low canopy - To 2.5m T32 Wych Elm, Spot marked stem Fell - Fell and treat stump G40 Mixed Shorten branch ends from school building to achieve and maintain a 3m clearance T47 Narrowleaf Ash Pollard - Re-pollard T48 Himalayan Birch Raise low canopy - To 2.2m T49 Himalayan Birch Raise low canopy - To 2.2m Reasons - Please see attached Tree Survey Work Schedule.
Pending
26/02916/TRE
T29 Common Hornbeam - Fell - reason in tree survey. (TPO 11, 2002)
Pending
26/02715/DISC
Details pursuant to the discharge of Condition 4 (SUDS), Condition 6 (External Energy Generation) and Condition 8 (Lighting) of LPA ref: 24/02050/FUL (Erection of part single/two-storey rear/side infill/wraparound extension (following demolition of single and two-storey open storage units), and Alterations including installation of rooflights, formation of a waste bin store, replacement of shopfront and removal of gates)
Pending

View Planning Timeline