Flat 21, The Water Gardens, Warren Road, Kingston upon Thames, KT2 7LF

UPRN:100023059633-Beds -Built 1996-2002

Tenure: -Council Tax: -EPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 21, The Water Gardens, Warren Road, Kingston upon Thames, KT2 7LF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£1,349,000

£1.08M - £1.62MLow

Estimate

£1.35M

Range

£1.08M – £1.62M

Rent Estimate (pcm)

£4,200

£4k - £5k

Monthly

£4,200

Yield

3.73%

Verdict

Derived from HomePortfolio scores

Flat 21 earns an INVESTIGATE rating with HP Score 72/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (39/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

72/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

39/ 100

Mixed

Transit & Bike

Transit 14Bike 55

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.7%; range width penalty ×0.68
- valuation_snapshotsrent estimate 4200/mo (range 3650-4750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,738/mo, -65% 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 3 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
259 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£1,350,000

At the asking price

Monthly rent£4,200/mo

Evidenced range £3,650-£4,750

Interest rate5.4%

Loan to value75%

Cash required: £485,050
Net cash flow: -£1,649/mo
Cash on cash: -4.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.92 - 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_snapshotsrent estimate 4200/mo (range 3650-4750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 4200/mo (range 3650-4750)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£1,349,000

Rent Estimate (pcm)£4,200

Gross Yield3.73%

1y Growth-

3y Growth-1.0%

5y Growth-0.7%

10y Growth+1.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2KT2 7LF

Approval Rate

100%12mo

Development

low

26/02333/TCA
T1: False Acacia - Reduce hight by 6m and sides by up to 2m. tree is starting the encrouch on the house and client would like it reduce to stop it damaging the house. T2: Indian bean - Reduce lowest branch by up to 3m - branch is overhanging main road and and few bits of dead have dropped off. also remove all major dead wood
Pending
26/02328/NOT
Replacement of 17.5m pole supporting 6no antennas with 20m pole supporting 12no antennas, replacement of 3no equipment cabinet. Installation of 3no equipment cabinet and development ancillary thereto including replacement and relocation of a meter cabinet.
Pending
26/02295/TPO
T1: Sycamore - Re-pollard by 2.5-3m back to previous points, Remove major deadwood.
Pending

View Planning Timeline