Flat 3, 190 Clapham Park Road, London, SW4 7DU

UPRN:100021824328Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: D (62)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 3, 190 Clapham Park Road, London, SW4 7DU

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

£335,000

£318k - £352kHigh

Estimate

£335k

Range

£318k – £352k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

6.40%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 79/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (93/100). 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

79/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

93/ 100

Excellent

Transit & Bike

Transit 63Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 12 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +10.4% (HIGH), sold-comps +12.3%, £/sqft +12.4%] → measured edge +0.50pp 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100021824328· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 16.8%· as of 31 Oct 2026
Rental economics9.9/40
gross yield 6.4%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1450-1700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -220/mo, -14% 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 12 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 39 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 12 Nov 2026
Risk & liquidity14.6/15
349 sales/12mo in area; valuation range width 10%
- 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

£225,000£345,000

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£300,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £95/mo
Cash on cash: 1.2%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 100021824328Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 16.8%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1450-1700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 Nov 2026

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 1600/mo (range 1450-1700)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£335,000

Rent Estimate (pcm)£1,600

Gross Yield6.40%

1y Growth-15.8%

3y Growth-1.1%

5y Growth-1.4%

10y Growth-0.3%

Last Sold Price£120,000 (2000-04-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0SW4 7DU

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
26/03231/FUL
Erection of a single storey ground floor extension.
Pending
26/03237/DET
Approval of details pursuant to Condition 3 (Method of construction and demolition statement) of planning permission 22/03218/FUL (Demolition of the existing buildings on site and redevelopment to provide 6 No. residential units with ancillary cycle and refuse storage, landscaping and boundary treatment.) granted on 15.07.2024
Pending

View Planning Timeline

Ownership

Corporate Ownership56.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2000-04-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,666

Population Density12,286 /km²

Owner Occupied31%

Age Distribution

0-15 11%16-64 81%65+ 8%

View Area Profile

Schools Nearby

Harris Clapham Sixth Form
0.3 mi
-
St Mary's Roman Catholic Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Iqra Primary School
0.4 mi
Outstanding
Clapham Manor Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

182 Clapham Park Road
-
£328k
-
196 Clapham Park Road
-
£460k
-
194 Clapham Park Road
-
£310k
-
176 Clapham Park Road
-
£490k
-

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