74 Finsbury Road, London, N22 8PF

UPRN:100021179616Mid Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo 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

20 of 21 sources

Sale Estimate

£1,121,000

£1.01M - £1.23MMedium

Estimate

£1.12M

Range

£1.01M – £1.23M

Rent Estimate (pcm)

£4,900

£4k - £5k

Monthly

£4,900

Yield

18.20%

Verdict

Derived from HomePortfolio scores

74 Finsbury Road earns an INVESTIGATE rating with HP Score 77/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (76/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

76/ 100

High

Transit & Bike

Transit 40Bike 70

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£323,000

At the asking price

Monthly rent£4,900/mo

Evidenced range £4,450-£5,400

Interest rate5.4%

Loan to value75%

Cash required: £104,350
Net cash flow: £2,302/mo
Cash on cash: 26.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.49 - 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£1,121,000

Rent Estimate (pcm)£4,900

Gross Yield18.20%

1y Growth-

3y Growth+3.3%

5y Growth+2.0%

10y Growth+2.4%

Last Sold Price£630,000 (2013-01-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0N22 8PF

Approval Rate

-12mo

Development

low

HGY/2026/2892
Approval of details pursuant to condition 28 (Noise levels (Student Accommodation) attached to planning permission HGY/2024/0450
Pending
HGY/2026/2893
Details pursuant to conditions 4c and 4d (remediation verification report) or planning permission HGY/2024/2098 for Erection of two-storey (with roof accommodation) building to contain 3 self-contained flats, erection of separate bulk bin/recycle store for Grasmere Court site, and associated landscaping.
Pending
HGY/2026/2770
Change of use and consolidation of the existing ground-floor retail premises at 64 Station Road, with the existing first-floor two-bedroom residential flat at 64a Station Road, to create a single three-bedroom family dwelling with an enclosed front garden.
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2013-01-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,563

Population Density-

Owner Occupied30%

Age Distribution

0-15 16%16-64 71%65+ 13%

View Area Profile

Schools Nearby

Haringey Learning Partnership
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Greek Secondary School of London
0.3 mi
Good
Lift Trinity
0.3 mi
Outstanding
Bounds Green Junior School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

82 Finsbury Road
-
£835k
-
Noel House, 78 Finsbury Road
-
£560k
-
Noel House, 78 Finsbury Road
-
£473k
-
80B Finsbury Road
-
£335k
-

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