Flat H Lower Ground Floor Front, 49 St George's Drive, London, SW1V 4DG

UPRN:10033576022Flat/Maisonette2 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (69)

Data freshness:Planning· 2mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat H Lower Ground Floor Front, 49 St George's Drive, London, SW1V 4DG

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£727,000

£691k - £763kHigh

Estimate

£727k

Range

£691k – £763k

Rent Estimate (pcm)

£3,550

£3k - £4k

Monthly

£3,550

Yield

5.96%

Verdict

Derived from HomePortfolio scores

Flat H Lower Ground Floor Front earns an INVESTIGATE rating with HP Score 88/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

88/ 100

Strong

Investment Score

71/ 100

High

Crime Score

9/ 100

Low

Walkability

99/ 100

Excellent

Transit & Bike

Transit 100Bike 77

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 13 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 +1.7% (HIGH), sold-comps -7.5%, £/sqft -7.6%] → 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 Nov 2026
- valuation_snapshotsestimate for 10033576022· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.8%· as of 10 Nov 2026
Rental economics7/40
gross yield 6.0%; range width penalty ×0.92
- valuation_snapshotsrent estimate 3550/mo (range 3300-3800)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -537/mo, -15% 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 13 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 326 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 13 Nov 2026
Risk & liquidity14.7/15
170 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

£536,000£822,000

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£715,000

At the asking price

Monthly rent£3,550/mo

Evidenced range £3,300-£3,800

Interest rate5.4%

Loan to value75%

Cash required: £241,550
Net cash flow: £45/mo
Cash on cash: 0.2%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.47 - 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 10033576022Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.8%Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 3550/mo (range 3300-3800)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026

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 3550/mo (range 3300-3800)
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£727,000

Rent Estimate (pcm)£3,550

Gross Yield5.96%

1y Growth-

3y Growth-3.3%

5y Growth-3.8%

10y Growth-1.8%

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

4SW1V 4DG

Approval Rate

100%12mo

Development

low

26/07513/ADFULL
Details of Appendix A checklist from the Code of Construction Practice, signed by the applicant and approved by the Council's Environmental Sciences Team; pursuant to condition 3 of planning permission dated 23 December 2024 (24/04744/FULL)
Pending
26/07456/ADFULL
Details of demolition audit to inform what materials could be reused both on or off site pursuant to condition 23 of planning permission dated 13th August 2024 (RN:23/06642/FULL)
Pending
26/07413/LBC
Installation of new fibre optic cable and associated equipment within the basement.
Pending

View Planning Timeline