15 Holm Oak Close, London, SW15 2UN

UPRN:121004438Terrace Property3 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band EEPC: C (76)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£931,000

£884k - £977kHigh

Estimate

£931k

Range

£884k – £977k

Rent Estimate (pcm)

£4,000

£4k - £4k

Monthly

£4,000

Yield

5.33%

Verdict

Derived from HomePortfolio scores

15 Holm Oak Close earns an INVESTIGATE rating with HP Score 83/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (80/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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

83/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

80/ 100

High

Transit & Bike

Transit 36Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +3.3% (HIGH), sold-comps -5.9%, £/sqft -5.9%] → 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
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 121004438· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%· as of 29 Oct 2026
Rental economics2.3/40
gross yield 5.3%; range width penalty ×0.85
- valuation_snapshotsrent estimate 4000/mo (range 3650-4350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -987/mo, -25% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 53 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 & liquidity14.6/15
501 sales/12mo in area; valuation range width 10%
- 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

£675,000£1,035,000

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£900,000

At the asking price

Monthly rent£4,000/mo

Evidenced range £3,650-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£268/mo
Cash on cash: -1.1%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 121004438Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 4000/mo (range 3650-4350)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
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026

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 4000/mo (range 3650-4350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 53 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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.
3. 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£931,000

Rent Estimate (pcm)£4,000

Gross Yield5.33%

1y Growth-22.9%

3y Growth-0.8%

5y Growth-0.5%

10y Growth-0.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SW15 2UN

Approval Rate

-12mo

Development

low

2026/3256
T1: Sycamore - Fell to ground level. G1: Assorted vegetation - Fell to facilitate fence installation.
On-line
2026/3252
Please refer to the attached schedule of works. Only tree No 1 is within the TPO 63/1985 Works to tree No 1 is to Re-pollard back to previous pollard points
Pending
2026/3230
Demolition of part of existing front wall to provide vehicle access; Alterations to hard and soft landscaping and formation of hardstanding to the front garden, to provide 1 x parking space in connection with formation of a vehicle crossover and dropped kerb.
Pending

View Planning Timeline

Ownership

Corporate Ownership47.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£49,310

Population Density11,516 /km²

Owner Occupied44%

Age Distribution

0-15 13%16-64 78%65+ 9%

View Area Profile

Schools Nearby

Ashcroft Technology Academy
0.1 mi
Report card2025
Ofsted no longer awards a single overall grade.
West Hill Primary School
0.4 mi
Good
St Michael's CofE Primary School
0.4 mi
Good
St Joseph's Catholic Primary and Nursery School
0.4 mi
-

5 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Holm Oak Close
-
£405k
-
11 Holm Oak Close
-
£650k
-
16 Holm Oak Close
-
£844k
-
29 Holm Oak Close
-
£585k
-

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