Apartment 10, Hill House Apartments, 124 Pentonville Road, London, N1 9FH

UPRN:10023219664Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: Band DEPC: B (86)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

Apartment 10, Hill House Apartments, 124 Pentonville Road, London, N1 9FH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£500,000

£475k - £525kHigh

Estimate

£500k

Range

£475k – £525k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

6.32%

Verdict

Derived from HomePortfolio scores

Apartment 10 earns an INVESTIGATE rating with HP Score 64/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (94/100). 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

64/ 100

Mixed

Investment Score

73/ 100

High

100

Crime Score

100/ 100

Elevated

Walkability

94/ 100

Excellent

Transit & Bike

Transit 100Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 28 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 +5.0% (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 10023219664· as of 9 Oct 2026
Rental economics9.3/40
gross yield 6.3%; range width penalty ×0.88
- valuation_snapshotsrent estimate 2500/mo (range 2300-2700)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -296/mo, -12% 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 28 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 114 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 28 Oct 2026
Risk & liquidity14.6/15
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

£356,000£546,000

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£475,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,300-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: £128/mo
Cash on cash: 1.0%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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 10023219664Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2500/mo (range 2300-2700)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 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 2500/mo (range 2300-2700)
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£500,000

Rent Estimate (pcm)£2,500

Gross Yield6.32%

1y Growth-

3y Growth-1.3%

5y Growth-0.6%

10y Growth+0.5%

Last Sold Price£499,995 (2014-07-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0N1 9FH

Approval Rate

-12mo

Development

low

P2026/2834/TRE
Apple tree : Fell. I have been asked by my neighbours to consider felling the sole apple tree outside 10 Brayfield Terrace that sits within its front garden's perimeter. The Terrace suffers subsidence, number 10 included, and both number 10 and 11 have had issues with their front doors this past month. Number 10 has large cracks and we have had to cut into the door to open it. Number 11 have has much the same and the structural engineer they asked to come over to look at it has strongly recommended the tree be removed. Prior to selling up, the owner of number 9 asked much the same. The subsidence is in no small part due to the last two hot summers, but i understand the tree is not helping, hence the request to remove it.
Pending
P2026/2811/TRE
Cherry (T1) - reduce crown by 1m on all aspects. To restrict root growth.
Pending
P2026/2819/TRE
T1 - robinia tree (10m) - remove dead branches from crown and remove epicormic shoots from main stem. T2 - robinia tree (11m) - remove dead branches from crown and remove epicormic shoots from main stem. The reason for the work is to make the trees safe (dead branches) and to reduce the risk to the building and pedestrians.
Pending

View Planning Timeline

Ownership

Corporate Ownership43.2%
Overseas OwnershipNo
Lease Term Remaining81 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-07-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£47,411

Population Density12,466 /km²

Owner Occupied17%

Age Distribution

0-15 9%16-64 79%65+ 12%

View Area Profile

Schools Nearby

The Pears Family School
0.0 mi
Outstanding
The Gower School
0.0 mi
Inspected by ISI
Elizabeth Garrett Anderson School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Winton Primary School
0.2 mi
OutstandingImproving

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

View All Schools

Comparables

View All

Hill House Apartments, 124 Pentonville Road
-
£663k
-
Hill House Apartments, 124 Pentonville Road
-
£588k
-
Hill House Apartments, 124 Pentonville Road
-
£493k
-
Hill House Apartments, 124 Pentonville Road
-
£640k
-

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