Apartment 3, 2 St Josephs Street, London, SW8 4DN

UPRN:10094188587Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: Band EEPC: B (84)

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

Apartment 3, 2 St Josephs Street, London, SW8 4DN

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£628,000

£502k - £754kLow

Estimate

£628k

Range

£502k – £754k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

6.93%

Verdict

Derived from HomePortfolio scores

Apartment 3 earns an INVESTIGATE rating with HP Score 75/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (91/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

75/ 100

Strong

Investment Score

73/ 100

High

Crime Score

52/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 60Bike 78

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics13.2/40
gross yield 6.9%; range width penalty ×0.85; the estimate this rent rides on sits 28% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2600/mo (range 2350-2800)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 28% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -117/mo, -5% 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
Risk & liquidity9.2/15
268 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£450,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,350-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £281/mo
Cash on cash: 2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.71 - 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_snapshotsrent estimate 2600/mo (range 2350-2800)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 28% 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 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_12mo

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2600/mo (range 2350-2800)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£628,000

Rent Estimate (pcm)£2,600

Gross Yield6.93%

1y Growth-

3y Growth-15.5%

5y Growth-2.2%

10y Growth-1.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SW8 4DN

Approval Rate

-12mo

Development

low

26/03131/TCA
T1 - 1x Mimosa (Acacia dealbata), also known as a Wattle tree. To fell this tree and remove its stump and root system.
Pending
26/07311/OBS
Application under Section 73 of the Town and Country Planning Act 1990 for variations to Conditions 3 (Reserved Matters), 5 (Design Codes), 6 (Design Codes Landscaping Details), 7 (Parameter Plans), 8 (Land Uses), 11 (Maximum Floorspace Area in outline element for each Phase or Development Zone), 14 (Residential Mix), 18 (Phasing Plan), 20 (Car Parking), 35 (Sustainability and Energy) and 61 (Approved Drawings) of outline planning permission dated 28th February 2022 (ref. 2021/0414) for: ''the restoration, extension, alterations and conversion of the Power Station building to provide retail, residential flats, business, cultural, hotel and conference facilities, event space and incidental accommodation; the demolition of other buildings and development of the land surrounding the Power Station and adjacent/nearby sites to provide retail, restaurants bars and cafes, offices, hotel, residential, community and cultural space, assembly and leisure space, serviced apartments, an energy centre and basement plant; parking for cars, coaches, motorcycles and bicycles; new access and internal road system and servicing; 'off-site' highway works; works to the jetty and riverwall to facilitate river transport and fuel delivery; provision of open space and landscaping.'' (The application is accompanied by an Environmental Statement).
Pending
26/03026/DET
Approval of details pursuant to condition 6(Construction Method Statement) of Planning Permission 25/00995/FUL "Change of use of existing ground floor from café (Use Class E) to a 2-bed residential unit (Use Class C3) with provision of refuse, cycling storage, external amenity space, and boundary treatment." dated 22.09.2026
Pending

View Planning Timeline