Flat 4, 23 Cautley Avenue, London, SW4 9HX

UPRN:100021820652Converted Flat1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band CEPC: C (75)

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

Flat 4, 23 Cautley Avenue, London, SW4 9HX

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£486,000

£437k - £534kMedium

Estimate

£486k

Range

£437k – £534k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

6.90%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 76/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. 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

76/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

43/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 44Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 11 Nov 2026

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

Check before relying on this score: the estimate sits 18% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +17.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100021820652· as of 13 Oct 2026
Rental economics14.3/40
gross yield 6.9%; range width penalty ×0.94; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2300/mo (range 2150-2450)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -127/mo, -6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 11 Nov 2026
Risk & liquidity12.8/15
349 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

£300,000£460,000

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£400,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,150-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: £242/mo
Cash on cash: 2.2%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - 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 100021820652Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2300/mo (range 2150-2450)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 2300/mo (range 2150-2450)
Rental economics needs verification before you rely on it
sale estimate 18% above the ask on the same snapshot - verify the rent describes this home

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£486,000

Rent Estimate (pcm)£2,300

Gross Yield6.90%

1y Growth-

3y Growth-1.1%

5y Growth-1.4%

10y Growth-0.3%

Last Sold Price£462,500 (2020-12-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1SW4 9HX

Approval Rate

-12mo

Development

low

26/03267/FUL
Erection of a second-floor extension to the rear outrigger; enlargement of the existing rear dormer including sliding doors with Juliet guarding; installation of new and replacement rooflights and new photovoltaic panels; replacement of ground floor rear doors with wider aluminium sliding doors; alterations to fenestration on the side elevation and installation of a new rooflight to the existing rear extension.
Pending
26/03260/TCA
Rear Garden T1 - Black Poplar Fell to height of chain fence ? T1 is of poor shape, form and is of low amenity value. ? It is a large dominant tree in close proximity to the building. ? The tree is dead The long term future for the tee is questionable due to its location and future growth requirements.
Pending
26/03212/VOC
Variation of Conditions 2 (approved plans) of planning permission 25/00274/FUL (Retention of part lower ground/part ground floors (Use Class E) and change of use of the building from Office (Use Class E(g)(i)) to 5 residential units (Use Class C3), involving excavation/extension at lower ground floor; rear extension at lower ground, ground and first floor levels; erection of rear mansard roof extension with 3 front roof lights; the installation of side windows at all levels and 2 side access doors; and the replacement of the shopfront and front windows, together with the provision of bicycle and refuse/recycling storage. Erection of three storey dwellinghouse (Use Class C3) with amenity space to the rear of site) granted 24.07.2025. Variation sought: Amendment to lower and upper floor plans.
Pending

View Planning Timeline