Flat 3, 19 Cranley Gardens, Hornsey, London, N10 3AA

UPRN:100021169579Semi-Detached House1 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (75)

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

Flat 3, 19 Cranley Gardens, Hornsey, London, N10 3AA

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£707,000

£565k - £848kLow

Estimate

£707k

Range

£565k – £848k

Rent Estimate (pcm)

£3,200

£3k - £3k

Monthly

£3,200

Yield

8.53%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 84/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (89/100). 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 NationsMarket 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

84/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

89/ 100

Excellent

Transit & Bike

Transit 42Bike 74

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics25.1/40
gross yield 8.5%; range width penalty ×0.89; the estimate this rent rides on sits 36% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3200/mo (range 2950-3450)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 36% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin10.1/30
stressed cash flow +324/mo, +10% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
185 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£3,200/mo

Evidenced range £2,950-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £697/mo
Cash on cash: 5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.11 - 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_snapshotsrent estimate 3200/mo (range 2950-3450)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 36% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12mo

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 3200/mo (range 2950-3450)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£707,000

Rent Estimate (pcm)£3,200

Gross Yield8.53%

1y Growth-

3y Growth-6.2%

5y Growth-1.5%

10y Growth+0.4%

Last Sold Price£270,000 (2012-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0N10 3AA

Approval Rate

-12mo

Development

low

HGY/2026/3009
T1 - Sycamore tree (Acer ssp.), crown reduce back to the most recent previous point of reduction, or approx. 2.5-3.0m in height and 2.0m in lateral spread, whilst retaining suitable regrowth points. T2 - Sycamore tree (Acer ssp.), crown reduce back to the most recent previous point of reduction, or approx. 2.5-3.0m in height and 2.0m in lateral spread, whilst retaining suitable regrowth points.
Pending
HGY/2026/2992
Approval of details pursuant to condition 6 (lime mortar specification) attached to planning permission ref. HGY/2026/0558 and Listed Building Consent ref. HGY/2026/0622
Pending
HGY/2026/2990
Listed Building Consent amendment to relocate the kitchen to a different room, adjust the existing bathroom layout, and create a new door opening in an internal wall
Pending

View Planning Timeline

Ownership

Corporate Ownership53.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2012-04-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,563

Population Density-

Owner Occupied69%

Age Distribution

0-15 17%16-64 61%65+ 22%

View Area Profile

Schools Nearby

TreeHouse School
0.1 mi
OutstandingConcerns
St James Church of England Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tetherdown Primary School
0.2 mi
Good
Unique Children's School
0.4 mi
Good

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

23 Cranley Gardens
-
£520k
-
19 Cranley Gardens
-
£305k
-
33A Cranley Gardens
-
£743k
-
9 Cranley Gardens
-
£1.75M
-

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