Flat 210, Queen's Quay, 58 Upper Thames Street, London, EC4V 3EJ

UPRN:200000069148Flat/Maisonette1 bedsBuilt 1991-1995

LeaseholdCouncil Tax: -EPC: C (76)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 210, Queen's Quay, 58 Upper Thames Street, London, EC4V 3EJ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£406,000

£385k - £426kHigh

Estimate

£406k

Range

£385k – £426k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

4.52%

Verdict

Derived from HomePortfolio scores

Flat 210 earns an INVESTIGATE rating with HP Score 63/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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 NationsOfcom mobile coverageMarket 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

63/ 100

Mixed

Investment Score

61/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 100Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -4.7% (HIGH)] → 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 14 Nov 2026
- valuation_snapshotsestimate for 200000069148· as of 14 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1500-1750)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -747/mo, -47% 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 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 229 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 9 Nov 2026
Risk & liquidity9.2/15
10 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

£319,000£488,500

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£425,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: -£327/mo
Cash on cash: -2.8%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - 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 200000069148Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1750)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1600/mo (range 1500-1750)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£406,000

Rent Estimate (pcm)£1,600

Gross Yield4.52%

1y Growth+55.9%

3y Growth-10.9%

5y Growth+0.8%

10y Growth+1.9%

Last Sold Price£495,000 (2015-10-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0EC4V 3EJ

Approval Rate

-12mo

Development

low

26/01611/MDC
Submission of design and methodology details for fire protection works pursuant to condition 3 of planning permission 25/00708/LBC dated 13.08.2025.
Pending
26/01601/MDC
Submission of drawings pursuant to condition 40 of planning permission 24/00743/FULEIA dated 15.05.2025.
Pending
26/01604/LBC
Internal alterations and refurbishment at 710 Willoughby House including removal of an L-shaped non-structural wall and ceiling bulkhead.
Pending

View Planning Timeline

Ownership

Corporate Ownership22.4%
Overseas OwnershipNo
Lease Term Remaining138 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-10-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority-

Population Density984 /km²

Owner Occupied24%

Age Distribution

0-15 5%16-64 91%65+ 4%

View Area Profile

Schools Nearby

City of London School
0.1 mi
Inspected by ISI
St Paul's Cathedral School
0.2 mi
Inspected by ISI
City of London School for Girls
0.6 mi
Inspected by ISI
London Nautical, City of London Academy
0.6 mi
Inspected as London Nautical School (URN 100642) on 22 Jun 2023

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

View All Schools

Comparables

View All

Queens Quay, 58 Upper Thames Street
-
£495k
-
Queens Quay, 58 Upper Thames Street
-
£927k
-
Queens Quay, 58 Upper Thames Street
-
£398k
-
Queens Quay, 58 Upper Thames Street
-
£425k
-

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