Flat 2, 128 Rosendale Road, London, SE21 8LG

UPRN:100021885743Converted Flat1 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band CEPC: C (69)

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

Flat 2, 128 Rosendale Road, London, SE21 8LG

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

£351,000

£334k - £369kHigh

Estimate

£351k

Range

£334k – £369k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

6.00%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 83/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is low. 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

83/ 100

Strong

Investment Score

74/ 100

High

Crime Score

18/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 46Bike 73

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: 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 +3.1% (HIGH), sold-comps -5.9%, £/sqft -5.9%] → 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 (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 100021885743· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.5%· as of 8 Nov 2026
Rental economics7.2/40
gross yield 6.0%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1700/mo (range 1550-1800)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -405/mo, -24% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 529 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 & liquidity14.6/15
118 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

£255,000£391,000

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£340,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: £29/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 100021885743Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.5%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 1700/mo (range 1550-1800)Rental economics · as of 14 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 11 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 1700/mo (range 1550-1800)
Stress margin needs verification before you rely on it
service charge / ground rent from 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£351,000

Rent Estimate (pcm)£1,700

Gross Yield6.00%

1y Growth-

3y Growth+4.6%

5y Growth+3.9%

10y Growth+2.8%

Last Sold Price£235,000 (2013-07-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2SE21 8LG

Approval Rate

0%12mo

Development

low

26/AP/3322
Works to a tree with a TPO: The removal of a sweet cherry tree that is causing adverse effects on the adjacent hedge and a nearby tree
Pending
26/AP/3309
T1. Yew Tree. 10 metres in height. Lift to 3 metres all round. Tree has overgrown low hanging branches. Situated in the rear garden.
Pending
26/03300/TCA
G1 - Conifer hedge - reduce height and face up 8m in height. Reduce height by 1m from 8m to 7m. Face up the sides, trimming back to a tidy, even line. A conifer hedge on the rear boundary of the garden. The hedge has outgrown a manageable height for its position, and the proposed works return it to a size and form that can be maintained, while retaining it in full as a boundary screen. T1 - Olive - crown reduce 6m in height. Reduce height by 1m from 6m to 5m. Reduce laterals by 1m from 5m to 4m on all compass points. An olive in the rear garden. The proposed reduction lowers the size and end-weight of the crown and keeps the tree in proportion with its position in the garden, while retaining its natural form. T2 - Bay - crown reduce 7m in height. Reduce height by 1.5m from 7m to 5.5m. Reduce laterals by 1m from 4m to 3m on all compass points. An evergreen bay standing in the centre of the rear garden. The proposed reduction brings the crown back to a size appropriate to its position and keeps a balanced, well-formed shape. T3 - Plum - crown reduce 8m in height. Reduce height by 1.5m from 8m to 6.5m. Reduce laterals by 1.5m from 7m to 5.5m on all compass points. A purple-leaved plum in the rear garden, close to the house. The proposed reduction lowers the height and spread of the crown and reduces end-weight on the outer branches. T4 - Birch - fell 9m in height. Fell tree to just above ground level. A birch in the front garden, growing close to the house frontage and to the larger birch T5. Felling is proposed at the owner's request to reduce the number of trees in the restricted front garden, allowing T5 to be retained as the principal tree in the street scene. It is also in close proximity to the boundary wall and removal will prevent damage. A native pollinator will be planted as a replacement. T5 - Birch - crown reduce 10m in height. Reduce height by 2m from 10m to 8m. Reduce laterals by 1.5m from 8m to 6.5m on all compass points. A semi-matur
Pending

View Planning Timeline