19 Willoughby Road, London, N8 0JE

UPRN:100021240154End Terrace HouseBeds -Built 1900-1929

FreeholdCouncil Tax: Band FEPC: D (58)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£1,207,000

£1.09M - £1.33MMedium

Estimate

£1.21M

Range

£1.09M – £1.33M

Rent Estimate (pcm)

£5,100

£5k - £6k

Monthly

£5,100

Yield

4.22%

Verdict

Derived from HomePortfolio scores

19 Willoughby Road earns an INVESTIGATE rating with HP Score 61/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (96/100). 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

61/ 100

Mixed

Investment Score

71/ 100

High

100

Crime Score

100/ 100

Elevated

Walkability

96/ 100

Excellent

Transit & Bike

Transit 75Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -20.1% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100021240154· as of 9 Nov 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.83
- valuation_snapshotsrent estimate 5100/mo (range 4650-5600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,499/mo, -49% 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 6 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
336 sales/12mo in area; valuation range width 20%
- 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

£1,087,500£1,667,500

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£1,450,000

At the asking price

Monthly rent£5,100/mo

Evidenced range £4,650-£5,600

Interest rate5.4%

Loan to value75%

Cash required: £525,050
Net cash flow: -£1,363/mo
Cash on cash: -3.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.04 - below 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 100021240154Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 5100/mo (range 4650-5600)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 5100/mo (range 4650-5600)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£1,207,000

Rent Estimate (pcm)£5,100

Gross Yield4.22%

1y Growth-

3y Growth+0.8%

5y Growth+0.4%

10y Growth+0.2%

Last Sold Price£570,000 (2008-07-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3N8 0JE

Approval Rate

-12mo

Development

low

HGY/2026/3004
Loft conversion with a rear dormer roof extension, insertion of 1no. rooflight on the front slope, and construction of rear roof terrace with balustrade, privacy screening and planters above rear outrigger.
Pending
HGY/2026/2993
Replacement of front door from timber (brown) to timber (grey)
Pending
HGY/2026/3037
Display of advertising screens associated with installation of 1 no. new communications Kiosk with integrated defibrillator and advertising displays
Pending

View Planning Timeline

Ownership

Corporate Ownership55.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-07-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,563

Population Density11,523 /km²

Owner Occupied20%

Age Distribution

0-15 15%16-64 79%65+ 6%

View Area Profile

Schools Nearby

North Harringay Primary School
0.2 mi
Good
St John Vianney RC Primary School
0.4 mi
OutstandingImproving
The Grove
0.4 mi
Outstanding
Lift Noel Park
0.4 mi
Inspected as Noel Park Primary School (URN 131881) on 9 Nov 2011

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

View All Schools

Comparables

View All

24 Willoughby Road
-
£1.50M
-
21 Willoughby Road
-
£1.20M
-
19 Willoughby Road
-
£570k
-
23 Willoughby Road
-
£500k
-

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