5 Osprey Lane, Harrow, HA2 0FY

UPRN:10070269485Mid Terrace HouseBeds -Built -

FreeholdCouncil Tax: Band DEPC: B (82)

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

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£551,000

£523k - £578kHigh

Estimate

£551k

Range

£523k – £578k

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

10.29%

Verdict

Derived from HomePortfolio scores

5 Osprey Lane earns an INVESTIGATE rating with HP Score 75/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (68/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

68/ 100

Moderate

Transit & Bike

Transit 31Bike 60

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£315,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,450-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £806/mo
Cash on cash: 9.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.54 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£551,000

Rent Estimate (pcm)£2,700

Gross Yield10.29%

1y Growth-

3y Growth+1.3%

5y Growth+1.4%

10y Growth+2.4%

Last Sold Price£290,000 (2012-10-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HA2 0FY

Approval Rate

-12mo

Development

low

PL/1771/26/PRIOR
Additional one storey (height 2.7m) of development containing 5 flats on an existing detached block of flats - maximum overall height 18.65m (Prior approval of transport and highways impacts; air traffic and defence asset impacts; contamination risks; flooding risks; the external appearance of the building; the provision of adequate natural light in all habitable rooms of the new dwellinghouses; impact on the amenity of the existing building and neighbouring premises and impact on a protected view)
Pending
PL/1763/26
Single storey rear extension
Pending
PL/1675/26
Single storey rear extension with mono pitch roof; installation of window to the side at second floor level; external alterations (demolition of single storey rear extension)
Pending

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-10-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,000

Population Density-

Owner Occupied37%

Age Distribution

0-15 22%16-64 71%65+ 7%

View Area Profile

Schools Nearby

Rise College
0.2 mi
-
Grange Primary School
0.3 mi
Good
Alexandra School
0.3 mi
Inspected as Alexandra School (URN 102262) on 21 Mar 2013
Whitmore High School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Osprey Lane
-
£585k
-
2 Osprey Lane
-
£550k
-
2 Osprey Lane
-
£500k
-
1 Osprey Lane
-
£530k
-

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