Flat 103, Vita Apartments, 1 Caithness Walk, Croydon, CR0 2WD

UPRN:10093048317Flat/MaisonetteBeds -Built -

LeaseholdCouncil Tax: Band DEPC: B (82)

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

Flat 103, Vita Apartments, 1 Caithness Walk, Croydon, CR0 2WD

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

£408,000

£367k - £449kMedium

Estimate

£408k

Range

£367k – £449k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

9.52%

Verdict

Derived from HomePortfolio scores

Flat 103 earns an INVESTIGATE rating with HP Score 65/100. Investment score 71/100 reflects strong 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

65/ 100

Mixed

Investment Score

71/ 100

High

100

Crime Score

100/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 100Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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: the estimate sits 29% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +28.9% (MEDIUM), sold-comps +19.0%, £/sqft +18.9%] → measured edge +0.50pp 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10093048317· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.3%· as of 4 Nov 2026
Rental economics33.9/40
gross yield 9.5%; range width penalty ×0.94; the estimate this rent rides on sits 29% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2300/mo (range 2150-2450)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 29% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin14.7/30
stressed cash flow +337/mo, +15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 114 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 & liquidity12.8/15
1173 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 80+ up to £225,000

£217,500£333,500

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£290,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,150-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £92,800
Net cash flow: £614/mo
Cash on cash: 7.9%
Score at this price: 64

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.35 - 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 10093048317Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.3%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 2300/mo (range 2150-2450)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 29% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 2300/mo (range 2150-2450)
Rental economics needs verification before you rely on it
sale estimate 29% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Set your walk-away price before viewing - above £225,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£408,000

Rent Estimate (pcm)£2,300

Gross Yield9.52%

1y Growth-18.8%

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price£474,330 (2016-08-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CR0 2WD

Approval Rate

-12mo

Development

low

26/02987/PDO
To install 1 x 9m wooden pole.
Pending
26/02866/CONR
Variation of condition 1 (limited time period) of permission 19/04977/CONR for "Continued use of the siting of a 95th shipping container unit to be located between the two existing units on the George Street frontage for an additional 5 years expiring on 01/01/2027 (without compliance with condition 1 - limited time period - attached to planning permission 17/01461/FUL)" to extend the time limit restriction by a further 10 years to 01/01/2037.
Pending
26/02865/CONR
Variation of condition 1 (limited time period) of permission 19/04866/CONR for "Continued use of land for the siting of a temporary pop up shopping mall comprising up to 97 retail restaurant/cafe and drinking establishment (classes A1/A3 and A4) units including 9 management and storage units with associated roof canopy for an additional 5 years expiring on 01/01/2027 (without compliance with condition 1 - limited time period - attached to planning permission 19/03173/CONR)" to extend the time limit restriction by a further 10 years to 01/01/2037.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.2%
Overseas OwnershipNo
Lease Term Remaining186 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-08-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,080

Population Density10,489 /km²

Owner Occupied11%

Age Distribution

0-15 10%16-64 87%65+ 3%

View Area Profile

Schools Nearby

St Mary's Catholic Infant School
0.1 mi
Good
St. Mary's Catholic Junior School
0.2 mi
Good
Supreme Education AP
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ark Oval Primary Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

1 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Vita Apartments, 1 Caithness Walk
-
£302k
-
Vita Apartments, 1 Caithness Walk
-
£394k
-
Vita Apartments, 1 Caithness Walk
-
£340k
-
Vita Apartments, 1 Caithness Walk
-
£383k
-

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