Flat 1, 41 Lyford Road, London, SW18 3LU

UPRN:121036265Converted Flat2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band DEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat 1, 41 Lyford Road, London, SW18 3LU

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£555,000

£527k - £583kHigh

Estimate

£555k

Range

£527k – £583k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

4.95%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 81/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (79/100). 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

81/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

79/ 100

High

Transit & Bike

Transit 26Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -13.5% (HIGH), sold-comps -20.7%, £/sqft -20.8%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 121036265· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.1%· as of 24 Oct 2026
Rental economics0/40
gross yield 5.0%; range width penalty ×0.89
- valuation_snapshotsrent estimate 2600/mo (range 2400-2800)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -962/mo, -37% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 39 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 4 Nov 2026
Risk & liquidity14.6/15
779 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

£472,500£724,500

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£630,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,400-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £211,800
Net cash flow: -£326/mo
Cash on cash: -1.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - below 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 121036265Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.1%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 2600/mo (range 2400-2800)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 2600/mo (range 2400-2800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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. 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£555,000

Rent Estimate (pcm)£2,600

Gross Yield4.95%

1y Growth-

3y Growth-0.2%

5y Growth+0.2%

10y Growth+0.0%

Last Sold Price£534,500 (2021-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

6SW18 3LU

Approval Rate

0%12mo

Development

low

2026/3244
Erection of an extension above the two storey back addition.
Rejected
2026/3242
Construction of raised decking area with a glazed safety screen to rear elevation, with steps down to existing rear garden and side refuse area
Pending
2026/3234
T1 Hawthorn (x1) Reduce crown height by 1.5-2m and width by 1-1.5m. Reason: To maintain at a smaller size and prevent overhang over pavement. T2 Portuguese Laurel (x1) Reduce crown by 1-1.2m all around. Reason: To maintain at a smaller size.Gerneral maintenance.
Pending

View Planning Timeline

Ownership

Corporate Ownership52.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-12-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£49,310

Population Density-

Owner Occupied63%

Age Distribution

0-15 22%16-64 70%65+ 8%

View Area Profile

Schools Nearby

Beatrix Potter Primary School
0.4 mi
Good
Nightingale Community Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Broomwood Prep - Boys
0.5 mi
Inspected by ISI
Swaffield School
0.6 mi
Inspected as Swaffield School (URN 101022) on 10 Jun 2025

4 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

29 Lyford Road
-
£2.66M
-
35 Lyford Road
-
£5.45M
-
45 Lyford Road
-
£1.26M
-
41 Lyford Road
-
£375k
-

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