Flat 2, 169 Ferndale Road, London, SW4 7RU

UPRN:200000463552Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (75)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 2, 169 Ferndale Road, London, SW4 7RU

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

£645,000

£613k - £678kHigh

Estimate

£645k

Range

£613k – £678k

Rent Estimate (pcm)

£3,050

£3k - £3k

Monthly

£3,050

Yield

6.10%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 81/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (85/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 86Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 +7.0% (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 13 Oct 2026
- valuation_snapshotsestimate for 200000463552· as of 13 Oct 2026
Rental economics7.7/40
gross yield 6.1%; range width penalty ×0.87
- valuation_snapshotsrent estimate 3050/mo (range 2800-3300)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -420/mo, -14% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 116 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
349 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

£450,000£690,000

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£600,000

At the asking price

Monthly rent£3,050/mo

Evidenced range £2,800-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: £87/mo
Cash on cash: 0.5%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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 200000463552Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3050/mo (range 2800-3300)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 3050/mo (range 2800-3300)
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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£645,000

Rent Estimate (pcm)£3,050

Gross Yield6.10%

1y Growth-

3y Growth-1.1%

5y Growth-1.4%

10y Growth-0.3%

Last Sold Price£555,000 (2020-11-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SW4 7RU

Approval Rate

-12mo

Development

low

26/03176/P3MA
Prior approval of change of use of Unit 6 at third floor level from office (use class E) to a residential unit (use class C).
Pending
26/03139/NMC
Non - Material Amendment Following a Grant of Planning Permission ref: 25/02874/FUL "Demolition and refurbishment of existing shopfronts at ground floor level across entire frontage of 414 - 426 Brixton Road and the introduction of new plant areas and associated screening at roof level." granted on 06.03.2026 Amendments Sought: -Shopfronts design developed to include shutters and intergrated shutter guide rails - Colour of signage zone above shopfronts changed - Louvres added above side entrance - Roof Plant Updated -Rooflights in lightwell infilled -Bin store doors added to rear elevation
Pending
26/03138/DET
approval of details pursuant to conditions 3(Plant Screening) and 4(Shopfront Details) of Planning Permission 25/02874/FUL "demolition and refurbishment of existing shopfronts at ground floor level across entire frontage of 414-426 Brixton Road and the introduction of new plant areas and associated screening at roof level" dated 06.03.26
Pending

View Planning Timeline

Ownership

Corporate Ownership56.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2020-11-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,666

Population Density-

Owner Occupied28%

Age Distribution

0-15 7%16-64 87%65+ 6%

View Area Profile

Schools Nearby

Lansdowne School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stockwell Primary School
0.3 mi
Good
St Andrew's Church of England Primary School
0.4 mi
Good
JUS Education
0.4 mi
Good

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

165 Ferndale Road
-
£865k
-
169 Ferndale Road
-
£415k
-
167 Ferndale Road
-
£665k
-
167 Ferndale Road
-
£665k
-

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