Flat 3, 49A Clapham High Street, London, SW4 7TL

UPRN:10091120677Flat/Maisonette1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band DEPC: C (76)

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

Flat 3, 49A Clapham High Street, London, SW4 7TL

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£412,000

£329k - £494kLow

Estimate

£412k

Range

£329k – £494k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

5.20%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 69/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (95/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

71/ 100

High

Crime Score

80/ 100

Elevated

Walkability

95/ 100

Excellent

Transit & Bike

Transit 82Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 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 [sold-comps -10.0%, £/sqft -9.9%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.3%· as of 29 Oct 2026
Rental economics1.4/40
gross yield 5.2%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1950/mo (range 1800-2100)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -595/mo, -31% 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 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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 5 Nov 2026
Risk & liquidity9.2/15
349 sales/12mo in area; valuation range width 40%
- 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£169/mo
Cash on cash: -1.4%
Score at this price: 11

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.3%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1800-2100)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 1950/mo (range 1800-2100)
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. 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£412,000

Rent Estimate (pcm)£1,950

Gross Yield5.20%

1y Growth-

3y Growth-1.1%

5y Growth-1.4%

10y Growth-0.3%

Last Sold Price£250,000 (2021-06-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SW4 7TL

Approval Rate

-12mo

Development

low

26/03260/TCA
Rear Garden T1 - Black Poplar Fell to height of chain fence ? T1 is of poor shape, form and is of low amenity value. ? It is a large dominant tree in close proximity to the building. ? The tree is dead The long term future for the tee is questionable due to its location and future growth requirements.
Pending
26/03250/DET
Approval of details pursuant to condition 4 (Window Details) of planning permission ref. 26/00800/LB and 26/00799/RG3 (Replacement of single glazed timber framed windows serving flat 14, with single glazed timber framed windows (like for like replacement), granted on 19.06.2026.
Pending
26/03237/DET
Approval of details pursuant to Condition 3 (Method of construction and demolition statement) of planning permission 22/03218/FUL (Demolition of the existing buildings on site and redevelopment to provide 6 No. residential units with ancillary cycle and refuse storage, landscaping and boundary treatment.) granted on 15.07.2024
Pending

View Planning Timeline

Ownership

Corporate Ownership56.9%
Overseas OwnershipNo
Lease Term Remaining244 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-06-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,666

Population Density25,011 /km²

Owner Occupied29%

Age Distribution

0-15 6%16-64 90%65+ 4%

View Area Profile

Schools Nearby

Clapham Manor Primary School
0.2 mi
Good
St Mary's Roman Catholic Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
South Bank Colleges
0.5 mi
-
Larkhall Primary Campus
0.5 mi
Good

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

47 Clapham High Street
-
£3.65M
-
51 Clapham High Street
-
£2.89M
-
51 Clapham High Street
-
£2.30M
-
49 Clapham High Street
-
£27k
-

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