4 Albertine Grove, West Wickham, BR4 9FA

UPRN:10070019233Semi-Detached Property4 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: B (89)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

4 Albertine Grove, West Wickham, BR4 9FA

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

£846,000

£804k - £888kHigh

Estimate

£846k

Range

£804k – £888k

Rent Estimate (pcm)

£3,600

£3k - £4k

Monthly

£3,600

Yield

5.08%

Verdict

Derived from HomePortfolio scores

4 Albertine Grove earns an INVESTIGATE rating with HP Score 72/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (35/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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

72/ 100

Mixed

Investment Score

73/ 100

High

Crime Score

18/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 16Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

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

Valuation edge1/15
claims [AVM -0.5% (HIGH), sold-comps +1.3%, £/sqft +1.2%] → measured edge +0.21pp 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 12 Oct 2026
- valuation_snapshotsestimate for 10070019233· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 1.5%· as of 1 Nov 2026
Rental economics0.5/40
gross yield 5.1%; range width penalty ×0.81
- valuation_snapshotsrent estimate 3600/mo (range 3250-3950)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,070/mo, -30% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 105 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 & liquidity14.7/15
164 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

£637,500£977,500

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£850,000

At the asking price

Monthly rent£3,600/mo

Evidenced range £3,250-£3,950

Interest rate5.4%

Loan to value75%

Cash required: £288,800
Net cash flow: -£376/mo
Cash on cash: -1.6%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - 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 10070019233Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 1.5%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 3600/mo (range 3250-3950)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 3600/mo (range 3250-3950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 105 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. 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£846,000

Rent Estimate (pcm)£3,600

Gross Yield5.08%

1y Growth-

3y Growth+2.8%

5y Growth+1.4%

10y Growth+2.8%

Last Sold Price£775,000 (2021-09-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BR4 9FA

Approval Rate

-12mo

Development

low

26/04272/HPA
Two storey side extension, loft conversion and rear dormer
Pending
26/04079/NOT
Single storey rear extension, extending beyond the rear wall of the original house by 4.5m, for which the maximum height would be 3m, and for which the height of the eaves would be 3m (42 Day Notification for Householder Permitted Development Prior Approval)
Pending
26/03982/HPA
Demolition of existing garage and conservatory and erection of a front porch and single storey rear and side extension
Pending

View Planning Timeline