Flat 2, 72 Sumner Road, Croydon, CR0 3LJ

UPRN:10095497501Purpose Built Flat3 bedsBuilt 1900-1929

Tenure: -Council Tax: Band CEPC: C (69)

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

Flat 2, 72 Sumner Road, Croydon, CR0 3LJ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£286,000

£229k - £343kLow

Estimate

£286k

Range

£229k – £343k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

4.99%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 67/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (85/100). 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

67/ 100

Mixed

Investment Score

70/ 100

High

Crime Score

69/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 44Bike 66

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity
listing is a house but the valuation basis is the whole flat 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£385,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £126,050
Net cash flow: -£192/mo
Cash on cash: -1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - below 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£286,000

Rent Estimate (pcm)£1,600

Gross Yield4.99%

1y Growth+10.9%

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CR0 3LJ

Approval Rate

-12mo

Development

low

26/03034/DISC
Submission of details pursuant to condition 3 (Construction logistics) and condition 4c (detailed drawings) attached to 26/00309/FUL External amendments to North End elevation, including a digital screen, infill under colonnade and associated works (Partial approval of conditions for digital screen only)
Pending
26/02998/LE
Use of Unit 1 as a place of meeting/community use (Use Class F2(b)).
Pending
26/02987/PDO
To install 1 x 9m wooden pole.
Pending

View Planning Timeline