Flat 11, 12 Penn Street, London, N1 5DJ

UPRN:10008464355Purpose Built Flat2 bedsBuilt 2022

LeaseholdCouncil Tax: Band DEPC: B (85)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£835,000

£793k - £876kHigh

Estimate

£835k

Range

£793k – £876k

Rent Estimate (pcm)

£4,200

£4k - £5k

Monthly

£4,200

Yield

6.59%

Verdict

Derived from HomePortfolio scores

Flat 11 earns an INVESTIGATE rating with HP Score 76/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (95/100). 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

74/ 100

High

Crime Score

51/ 100

Elevated

Walkability

95/ 100

Excellent

Transit & Bike

Transit 65Bike 79

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 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 +8.4% (HIGH)] → 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 9 Oct 2026
- valuation_snapshotsestimate for 10008464355· as of 9 Oct 2026
Rental economics11/40
gross yield 6.6%; range width penalty ×0.87
- valuation_snapshotsrent estimate 4200/mo (range 3850-4550)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -270/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 30 Oct 2026· verify before relying on this
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.7/15
633 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

£727,000£879,500

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£765,000

At the asking price

Monthly rent£4,200/mo

Evidenced range £3,850-£4,550

Interest rate5.4%

Loan to value75%

Cash required: £259,050
Net cash flow: £326/mo
Cash on cash: 1.5%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - 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 10008464355Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 4200/mo (range 3850-4550)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
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
Rental economics needs verification before you rely on it
rent estimate 4200/mo (range 3850-4550)
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£835,000

Rent Estimate (pcm)£4,200

Gross Yield6.59%

1y Growth+39.1%

3y Growth-1.3%

5y Growth-0.6%

10y Growth+0.5%

Last Sold Price£790,000 (2022-05-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0N1 5DJ

Approval Rate

-12mo

Development

low

P2026/2713/TRE
T1 - Sycamore Stem diameter at 1.5m above ground level was measured as 640mm. Crown is heavily asymmetrical following the northern side overhang being completely removed by the neighbour back to the boundary line, Crown overhangs roofs to the south. The extreme asymmetry of the crown will have the effect of shifting the centre of mass away from the vertical axis of the trunk. The alteration in biomechanics caused by the action of the neighbour will have increased the probability of the tree failing during high winds and/or snow loading. Weather events such as these are more likely to occur within the next 6 months than the period since the operation was undertaken. Option 1 Fell as close as possible to ground level Apply eco plugs
Pending
P2026/2690/FUL
Side extension over the existing flat roof of side entrance porch, and alterations/extension at roof level to create access. Formation of roof terrace including the installation of metal safety railings.
Pending
P2026/2675/FUL
Erection of a mansard roof extension with four dormers (two to the front and two to the rear), alterations to front - ornamentation of railings, new gate and re-cladding of front steps in stone. Erection of a brick bin store to front lightwell.
Pending

View Planning Timeline