3A Elmers End Road, London, SE20 7ST

UPRN:10013152009Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band CEPC: D (67)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£379,000

£360k - £398kHigh

Estimate

£379k

Range

£360k – £398k

Rent Estimate (pcm)

£2,350

£2k - £2k

Monthly

£2,350

Yield

7.52%

Verdict

Derived from HomePortfolio scores

3A Elmers End Road earns an INVESTIGATE rating with HP Score 81/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (75/100). 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

81/ 100

Strong

Investment Score

71/ 100

High

Crime Score

14/ 100

Low

Walkability

75/ 100

High

Transit & Bike

Transit 58Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +1.1% (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 10 Nov 2026
- valuation_snapshotsestimate for 10013152009· as of 10 Nov 2026
Rental economics19.9/40
gross yield 7.5%; range width penalty ×0.99
- valuation_snapshotsrent estimate 2350/mo (range 2200-2450)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -60/mo, -3% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 53 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 4 Nov 2026
Risk & liquidity14.6/15
208 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

£281,000£431,000

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£375,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,200-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: £361/mo
Cash on cash: 3.5%
Score at this price: 34

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.86 - 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 10013152009Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 2350/mo (range 2200-2450)Rental economics · as of 10 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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
Rental economics needs verification before you rely on it
rent estimate 2350/mo (range 2200-2450)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 53 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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£379,000

Rent Estimate (pcm)£2,350

Gross Yield7.52%

1y Growth-

3y Growth+0.9%

5y Growth-0.6%

10y Growth+1.1%

Last Sold Price£410,500 (2020-02-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SE20 7ST

Approval Rate

-12mo

Development

low

22/03824/CON2
Details submitted to comply with the requirements of the following conditions relating to planning permission 22/03824/FULL1: Condition 16 - Existing site levels and proposed slab levels and ridge heights
Pending
26/04351/HPA
Roof alterations comprising the removal of existing chimneys, alterations to and enlargement of the existing rear roof dormer including two rooflights, extension of the parapet wall, and associated elevational changes.
Pending
26/04278/NOT
Single storey rear extension, extending beyond the rear wall of the original house by 3.71m, for which the maximum height would be 3.39m, and for which the height of the eaves would be 3m (42 Day Notification for Householder Permitted Development Prior Approval)
Pending

View Planning Timeline

Ownership

Corporate Ownership66.1%
Overseas OwnershipNo
Lease Term Remaining86 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-02-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,981

Population Density-

Owner Occupied50%

Age Distribution

0-15 20%16-64 72%65+ 8%

View Area Profile

Schools Nearby

St Anthony's Catholic Primary School
0.1 mi
Inspected as St Anthony's Roman Catholic Primary School (URN 101654) on 2 Mar 2016
Stewart Fleming Primary School
0.4 mi
Outstanding
James Dixon Primary School
0.4 mi
Good
St John's Church of England Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

6 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Elmers End Road
-
£353k
-
19 Elmers End Road
-
£415k
-
25 Elmers End Road
-
£495k
-
3A Elmers End Road
-
£411k
-

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