Flat 10, Forest Lodge, 20 Station Road, Harrow, HA1 2BF

UPRN:10070262803Purpose Built Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band DEPC: B (87)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Flat 10, Forest Lodge, 20 Station Road, Harrow, HA1 2BF

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£316,000

£301k - £332kHigh

Estimate

£316k

Range

£301k – £332k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

5.40%

Verdict

Derived from HomePortfolio scores

Flat 10 earns an INVESTIGATE rating with HP Score 60/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (83/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

70/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

83/ 100

High

Transit & Bike

Transit 44Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM +5.1% (HIGH), sold-comps -10.7%, £/sqft -10.7%] → 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 10070262803· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.4%· as of 8 Nov 2026
Rental economics2.7/40
gross yield 5.4%; range width penalty ×0.83
- valuation_snapshotsrent estimate 1350/mo (range 1200-1450)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -403/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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 151 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 & liquidity14.7/15
234 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

£225,000£345,000

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£300,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,200-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: -£78/mo
Cash on cash: -1.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 10070262803Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.4%Valuation edge · as of 8 Nov 2026
valuation_snapshotsrent estimate 1350/mo (range 1200-1450)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1350/mo (range 1200-1450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 151 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£316,000

Rent Estimate (pcm)£1,350

Gross Yield5.40%

1y Growth-

3y Growth+2.5%

5y Growth-1.3%

10y Growth+0.9%

Last Sold Price£300,000 (2023-03-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HA1 2BF

Approval Rate

-12mo

Development

low

PL/1786/26
Conversion of detached garage at rear to provide a single storey dwelling house ( 1 x 1 bed); Replace garage doors with door and window in front elevation; Replace door with window in side elevation; External alterations; Cycle and Refuse storage
Pending
PL/1747/26
Single storey rear extension: 6.00 metres deep, 3.50 metres maximum height and 2.85 metres high to the eaves
Pending
PL/1743/26
Single and two storey side extension; external alterations: Conversion of dwellinghouse (C3) into a 6 person HMO (C4); refuse / cycle storage (demolition of attached garage)
Pending

View Planning Timeline