42 St James's Close, Prince Albert Road, London, NW8 7LQ

UPRN:10033543758Flat/Maisonette2 bedsBuilt 1930-1949

LeaseholdCouncil Tax: -EPC: D (61)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

42 St James's Close, Prince Albert Road, London, NW8 7LQ

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£1,098,000

£1.04M - £1.15MHigh

Estimate

£1.10M

Range

£1.04M – £1.15M

Rent Estimate (pcm)

£5,550

£5k - £6k

Monthly

£5,550

Yield

6.05%

Verdict

Derived from HomePortfolio scores

42 St James's Close earns an INVESTIGATE rating with HP Score 80/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (88/100). 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 listingsMarket estimates (third-party AVM)Defra 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

80/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

88/ 100

Excellent

Transit & Bike

Transit 25Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 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 -0.2% (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 10033543758· as of 9 Oct 2026
Rental economics7.2/40
gross yield 6.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 5550/mo (range 5050-6000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -691/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 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity14.6/15
188 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£5,550/mo

Evidenced range £5,050-£6,000

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: £130/mo
Cash on cash: 0.4%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.49 - 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 10033543758Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 5550/mo (range 5050-6000)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 5550/mo (range 5050-6000)
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. 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£1,098,000

Rent Estimate (pcm)£5,550

Gross Yield6.05%

1y Growth-

3y Growth-12.9%

5y Growth-1.0%

10y Growth-1.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NW8 7LQ

Approval Rate

-12mo

Development

low

2026/4862/P
Infill extension of existing recessed roof terrace at fourth floor level on the rear elevation with full-width glazing set within the existing opening.
Pending
2026/4901/T
FRONT GARDEN: 1 x Lime (T1) - Reduce the crown by up to 2m, cutting back to the most recent points of reduction. Raise the crown to 6m above pavement and road level and remove all epicormic growth throughout the crown.
Pending
2026/4847/P
Non-material amendment to planning permission reference 2022/2014/P dated 14/06/2023 for the demolition of the existing house and replacement with a two-storey dwellinghouse plus an attic floor, basement, landscaping, parking and associated works. Namely, omitting the fully glazed lantern and the installation of insulated lead roof with clerestory windows to the front and rear vertical faces.
Pending

View Planning Timeline

Ownership

Corporate Ownership23.3%
Overseas OwnershipNo
Lease Term Remaining99 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,172

Population Density-

Owner Occupied50%

Age Distribution

0-15 12%16-64 68%65+ 20%

View Area Profile

Schools Nearby

Saint Christina's School
0.1 mi
Inspected by ISI
St Paul's Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Wood Primary School
0.4 mi
Good
Swiss Cottage School - Development & Research Centre
0.5 mi
Outstanding

1 of 5 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

39 St James'S Close
-
£1.75M
-
45 St James'S Close
-
£1.00M
-
26 St James Close
-
£1.11M
-
26 St James'S Close
-
£1.20M
-

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