Flat C, 162 Union Street, London, SE1 0LH

UPRN:10090283249Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band DEPC: C (69)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

Flat C, 162 Union Street, London, SE1 0LH

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£801,000

£641k - £961kLow

Estimate

£801k

Range

£641k – £961k

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

11.26%

Verdict

Derived from HomePortfolio scores

Flat C earns an INVESTIGATE rating with HP Score 63/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). 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)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

63/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

95/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 100Bike 73

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

estimate implies a 50% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£399,500

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,450-£4,100

Interest rate5.4%

Loan to value75%

Cash required: £131,125
Net cash flow: £1,248/mo
Cash on cash: 11.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.78 - 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£801,000

Rent Estimate (pcm)£3,750

Gross Yield11.26%

1y Growth-

3y Growth-7.8%

5y Growth-4.1%

10y Growth-1.2%

Last Sold Price£612,000 (2013-08-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0SE1 0LH

Approval Rate

-12mo

Development

low

26/AP/3217
Details of condition 9 part 4 (Archaeological Public Engagement Programme) as required by planning permission ref. 21/AP/4194 dated 20/03/2024 for 'Redevelopment of existing building including partial demolition and two storey upward extension to create eight-storey Class E building with installation of roof terraces, associated highway and landscaping works, cycle parking, refuse storage including plant facilities at roof level'.
Pending
26/AP/3186
Details of condition 3 'Construction Environmental Management Plan' required by planning ref. 26/AP/0780 'Amalgamation of ground and basement Class (E) with existing first, second and third floor dwelling (C3) to create enlarged dwelling and associated bike and bin stores'
Pending
26/AP/3175
Details of Biodiversity Net Gain (BNG) Condition pursuant to planning permission 25/AP/2945 (Alterations to entrances and glazing including the replacement of existing glazing with double-glazed windows.)
Pending

View Planning Timeline

Ownership

Corporate Ownership24.3%
Overseas OwnershipNo
Lease Term Remaining107 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2013-08-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,006

Population Density9,410 /km²

Owner Occupied19%

Age Distribution

0-15 11%16-64 82%65+ 7%

View Area Profile

Schools Nearby

Friars Primary Foundation School
0.2 mi
Good
Haberdashers' Borough Academy
0.2 mi
Good
Charles Dickens Primary School
0.3 mi
Inspected as Charles Dickens Primary School (URN 100781) on 24 Sep 2019
London Nautical, City of London Academy
0.3 mi
Inspected as London Nautical School (URN 100642) on 22 Jun 2023

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

144B Union Street
-
£240k
-
160 Union Street
-
£5.25M
-
152B Union Street
-
£825k
-
144 - 146 Union Street
-
£390k
-

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