890 Sidcup Road, London, SE9 3PN

UPRN:10010198007Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: D (68)

Data freshness:Price Paid· freshPlanning· 3mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£624,000

£593k - £655kHigh

Estimate

£624k

Range

£593k – £655k

Rent Estimate (pcm)

£2,750

£3k - £3k

Monthly

£2,750

Yield

5.20%

Verdict

Derived from HomePortfolio scores

890 Sidcup Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (58/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

58/ 100

Moderate

Transit & Bike

Transit 36Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM -1.8% (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 10010198007· as of 9 Oct 2026
Rental economics1.4/40
gross yield 5.2%; range width penalty ×0.87
- valuation_snapshotsrent estimate 2750/mo (range 2500-2950)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -788/mo, -29% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 263 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 30 Oct 2026
Risk & liquidity14.7/15
446 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

£476,000£730,000

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£635,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,500-£2,950

Interest rate5.4%

Loan to value75%

Cash required: £213,550
Net cash flow: -£239/mo
Cash on cash: -1.3%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 10010198007Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2750/mo (range 2500-2950)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
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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
Rental economics needs verification before you rely on it
rent estimate 2750/mo (range 2500-2950)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 263 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£624,000

Rent Estimate (pcm)£2,750

Gross Yield5.20%

1y Growth+4.7%

3y Growth+1.8%

5y Growth+2.0%

10y Growth+3.0%

Last Sold Price£215,000 (2003-06-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1SE9 3PN

Approval Rate

100%12mo

Development

low

26/3035/SD
Submission of details pursuant to discharge condition 3 (External Materials) of planning permission reference 25/1064/F dated 16/01/2026.
Pending
26/2998/F
Installation of Electric Vehicle Charging Infrastructure comprising one charging terminal on the carriageway along with one 'No Stopping and EV Charging point' sign post on the footpath.
Pending
26/2923/HD
Garage conversion into a habitable space. Construction of a single-storey side / rear wraparound extension incorporating the installation of rooflights. Construction of an outbuilding ancillary to the dwellinghouse with associated works.
Pending

View Planning Timeline

Ownership

Corporate Ownership67.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-06-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,984

Population Density6,232 /km²

Owner Occupied79%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

St Olave's Prep School
0.3 mi
Inspected by ISI
Dulverton Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Edgebury Primary School
0.5 mi
Good
Wyborne Primary School
0.5 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

872 Sidcup Road
-
£450k
-
880 Sidcup Road
-
£430k
-
842 Sidcup Road
-
£590k
-
846 Sidcup Road
-
£475k
-

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