Flat 8, 6 Scarbrook Road, Croydon, CR0 1UH

UPRN:10014050892Flat/Maisonette2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band DEPC: D (59)

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

Flat 8, 6 Scarbrook Road, Croydon, CR0 1UH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£367,000

£330k - £404kMedium

Estimate

£367k

Range

£330k – £404k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

7.03%

Verdict

Derived from HomePortfolio scores

Flat 8 earns an INVESTIGATE rating with HP Score 65/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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

65/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

94/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 85Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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 +4.6% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10014050892· as of 9 Oct 2026
Rental economics15.5/40
gross yield 7.0%; range width penalty ×0.96
- valuation_snapshotsrent estimate 2050/mo (range 1950-2200)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -100/mo, -5% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 38 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 3 Nov 2026
Risk & liquidity12.8/15
1173 sales/12mo in area; valuation range width 20%
- 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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,950-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: £238/mo
Cash on cash: 2.5%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.74 - 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 10014050892Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1950-2200)Rental economics · as of 9 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
Rental economics needs verification before you rely on it
rent estimate 2050/mo (range 1950-2200)
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£367,000

Rent Estimate (pcm)£2,050

Gross Yield7.03%

1y Growth+53.1%

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price£275,000 (2014-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CR0 1UH

Approval Rate

-12mo

Development

low

26/02979/DISC
Discharge of condition 8 (external energy generation) of planning permission 24/00389/FUL granted on the 09/10/2024 for the ;Erection of four x two storey houses with accommodation in the roof space with associated landscaping, refuse storage and cycle storage
Pending
26/02980/DISC
Discharge of condition 12 (Drainage Strategy) of planning permission 24/00389/Ful granted on the 09/10/2024 for the ;Erection of four x two storey houses with accommodation in the roof space with associated landscaping, refuse storage and cycle storage'
Pending
26/02866/CONR
Variation of condition 1 (limited time period) of permission 19/04977/CONR for "Continued use of the siting of a 95th shipping container unit to be located between the two existing units on the George Street frontage for an additional 5 years expiring on 01/01/2027 (without compliance with condition 1 - limited time period - attached to planning permission 17/01461/FUL)" to extend the time limit restriction by a further 10 years to 01/01/2037.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.2%
Overseas OwnershipNo
Lease Term Remaining106 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,080

Population Density10,412 /km²

Owner Occupied31%

Age Distribution

0-15 21%16-64 74%65+ 5%

View Area Profile

Schools Nearby

Serenity School, Old Palace Croydon
0.1 mi
-
Croydon College
0.3 mi
-
Krishna Avanti Primary School
0.3 mi
-
Saffron Valley Collegiate
0.3 mi
Inspected as Saffron Valley Collegiate (URN 101706) on 26 Mar 2019

3 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Exchange, 6 Scarbrook Road
-
£270k
-
The Exchange, 6 Scarbrook Road
-
£375k
-
The Exchange, 6 Scarbrook Road
-
£375k
-
The Exchange, 6 Scarbrook Road
-
£250k
-

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