First Floor and Second Floor Flat, 45 Spenser Road, London, SE24 0NS

UPRN:200000501274Converted Flat3 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (71)

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

First Floor and Second Floor Flat, 45 Spenser Road, London, SE24 0NS

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£765,000

£727k - £803kHigh

Estimate

£765k

Range

£727k – £803k

Rent Estimate (pcm)

£4,050

£4k - £4k

Monthly

£4,050

Yield

6.48%

Verdict

Derived from HomePortfolio scores

First Floor and Second Floor Flat earns an INVESTIGATE rating with HP Score 80/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (92/100). 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

80/ 100

Strong

Investment Score

75/ 100

High

Crime Score

39/ 100

Elevated

Walkability

92/ 100

Excellent

Transit & Bike

Transit 66Bike 74

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£750,000

At the asking price

Monthly rent£4,050/mo

Evidenced range £3,750-£4,400

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: £273/mo
Cash on cash: 1.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - clears 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£765,000

Rent Estimate (pcm)£4,050

Gross Yield6.48%

1y Growth-

3y Growth-1.1%

5y Growth+0.3%

10y Growth+0.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2SE24 0NS

Approval Rate

100%12mo

Development

low

26/03206/TCA
To pollard of 3x Plane trees and 1x Larch tree for safety management.
Pending
26/03195/LDCP
Certificate of Lawful Development (Proposed) with respect to insertion of a gable window into the apex roof front elevation.
Pending
26/03165/DET
Approval of details pursuant to condition 10 (Transport and Traffic Monitoring) of planning permission ref : 25/03733/RG4 (Temporary use of part of Brockwell Park for Brockwell Live 2026 for up to 32 days (including wet weather buffer days), involving the installation and de-installation of temporary infrastructure including fencing, stages, lighting, public address (PA) systems and other temporary structures and ancillary works) granted on 26.02.2026.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.6%
Overseas OwnershipNo
Lease Term Remaining93 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,666

Population Density13,096 /km²

Owner Occupied39%

Age Distribution

0-15 15%16-64 78%65+ 7%

View Area Profile

Schools Nearby

Effra Nursery School and Children's Centre
0.0 mi
Good
Triangle Nursery School
0.0 mi
Outstanding
St Jude's Church of England Primary School
0.3 mi
Good
Ark Evelyn Grace Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

13A Spenser Road
-
£422k
-
51 Spenser Road
-
£1.42M
-
19 Spenser Road
-
£422k
-
9 Spenser Road
-
£543k
-

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