39 Commerce Road, London, N22 8DZ

UPRN:100021167307Mid Terrace House1 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band CEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£455,000

£432k - £478kHigh

Estimate

£455k

Range

£432k – £478k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

5.33%

Verdict

Derived from HomePortfolio scores

39 Commerce Road earns an INVESTIGATE rating with HP Score 66/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (84/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

66/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

62/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 63Bike 69

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£2,000/mo

Evidenced range £1,850-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£134/mo
Cash on cash: -1.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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£455,000

Rent Estimate (pcm)£2,000

Gross Yield5.33%

1y Growth-

3y Growth+3.3%

5y Growth+2.0%

10y Growth+2.4%

Last Sold Price£160,000 (2003-06-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0N22 8DZ

Approval Rate

-12mo

Development

low

HGY/2026/3030
We are seeking to remove an Ash tree (T1) on our site in order that we can carry out works removing a storage container, expand a hardstanding area and preventing potential future damage to nearby underground drains. The plan is to fell the tree, located to the East of the Clubhouse, to ensure the container can be moved. We currently don't have plans to to plan replacement trees in the vicinty given the planned works.
Pending
HGY/2026/3021
T1 = to fell 1 x Hawthorn tree to ground level (major decay at 2.0mtrs) T2 = to fell 1 x Lime tree to ground level (tree is damaging the wall) T3 = to fell 1 x Holly tree (causing wall to collapse) G1 = to fell group of self-seeded Ash trees to ground level (causing wall to collapse) General maintenance Neighbouring property encroachment
Pending
HGY/2026/3016
Variation of condition 2 (Approved Plans) attached to planning permission ref: HGY/2026/2427 (Alterations to as-built single storey extension) to change the proposed L-shaped skylight to be 2no. separate skylights)
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining80 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2003-06-23
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£37,563

Population Density15,019 /km²

Owner Occupied18%

Age Distribution

0-15 18%16-64 72%65+ 10%

View Area Profile

Schools Nearby

Haringey Learning Partnership
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Greek Secondary School of London
0.1 mi
Good
Lift Trinity
0.2 mi
Outstanding
St Michael's CofE Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

73 Commerce Road
-
£123k
-
59 Commerce Road
-
£120k
-
17 Commerce Road
-
£174k
-
43 Commerce Road
-
£230k
-

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