4 Lancaster Road, London, SE25 4AQ

UPRN:100020650451Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: D (65)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£844,000

£801k - £886kHigh

Estimate

£844k

Range

£801k – £886k

Rent Estimate (pcm)

£4,550

£4k - £5k

Monthly

£4,550

Yield

6.24%

Verdict

Derived from HomePortfolio scores

4 Lancaster Road earns an INVESTIGATE rating with HP Score 82/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (93/100). 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)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

82/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

93/ 100

Excellent

Transit & Bike

Transit 52Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -3.7% (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 Nov 2026
- valuation_snapshotsestimate for 100020650451· as of 9 Nov 2026
Rental economics9.1/40
gross yield 6.2%; range width penalty ×0.91
- valuation_snapshotsrent estimate 4550/mo (range 4200-4850)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -477/mo, -10% 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
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 & liquidity14.6/15
340 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

£656,000£1,006,000

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£875,000

At the asking price

Monthly rent£4,550/mo

Evidenced range £4,200-£4,850

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: £197/mo
Cash on cash: 0.8%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - 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 100020650451Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4550/mo (range 4200-4850)Rental economics · as of 9 Nov 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

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 4550/mo (range 4200-4850)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£844,000

Rent Estimate (pcm)£4,550

Gross Yield6.24%

1y Growth-

3y Growth+2.9%

5y Growth+1.2%

10y Growth+2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2SE25 4AQ

Approval Rate

100%12mo

Development

low

26/04168/LDC
Loft conversion comprising rear dormer with Juliet balcony, elevational alterations. LAWFUL DEVELOPMENT CERTIFICATE ( PROPOSED )
Pending
26/03002/DISC
Discharge of condition F13 Part I (Secure by design measures) of hybrid planning permission 25/02016/OUT
Pending
26/02927/TRE
Lime T1 - T7 - Re-pollard above previous points Lime T9 - Reduce close to previous points - cavity at approx. 15ft over road Lime T11 - Re-pollard above previous points - very close to/on neighbouring property Holm Oak - T18 - prune to ensure 1.5 meters clearance from building & aerials Pine - T20 - Remove dead wood Lime - T21 - Re-pollard close to previous poits & ensure adequate clearance from building Oak - T27 - Reduce & shape to previous points - very close to 4 houses Yew, Maple & Holly - T28, T30 & T31 - Prune to ensure 2 meters clearance from buildings Yew T40 - Reduce & shape by around 40% as the neighbours house is claiming subsidence present & likely cause (TPO 01, 1981)
Pending

View Planning Timeline