314 Lordship Lane, London, SE22 8LY

UPRN:200003441406End Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (58)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£1,440,000

£1.30M - £1.58MMedium

Estimate

£1.44M

Range

£1.30M – £1.58M

Rent Estimate (pcm)

£6,400

£6k - £7k

Monthly

£6,400

Yield

6.98%

Verdict

Derived from HomePortfolio scores

314 Lordship Lane earns an INVESTIGATE rating with HP Score 86/100. Investment score 79/100 reflects strong 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 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)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

86/ 100

Strong

Investment Score

79/ 100

High

Crime Score

16/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 45Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 12 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: the estimate sits 24% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +23.6% (MEDIUM), sold-comps +4.2%, £/sqft +4.2%] → measured edge +0.50pp 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 (MEDIUM confidence) · snapshot 10 Nov 2026
- valuation_snapshotsestimate for 200003441406· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 10.8%· as of 1 Nov 2026
Rental economics13.3/40
gross yield 7.0%; range width penalty ×0.84; the estimate this rent rides on sits 24% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 6400/mo (range 5850-7000)· as of 10 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 24% above the ask on the same snapshot - verify the rent describes this home· as of 10 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 12 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -67/mo, -1% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 65 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 12 Nov 2026
Risk & liquidity12.8/15
275 sales/12mo in area; valuation range width 20%
- 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£6,400/mo

Evidenced range £5,850-£7,000

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: £718/mo
Cash on cash: 2.2%
Score at this price: 29

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.72 - 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 200003441406Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 10.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 6400/mo (range 5850-7000)Rental economics · as of 10 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 24% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield

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 6400/mo (range 5850-7000)
Rental economics needs verification before you rely on it
sale estimate 24% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 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£1,440,000

Rent Estimate (pcm)£6,400

Gross Yield6.98%

1y Growth-29.8%

3y Growth+2.5%

5y Growth-0.2%

10y Growth+1.6%

Last Sold Price£225,000 (1999-04-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SE22 8LY

Approval Rate

-12mo

Development

low

26/AP/3307
T3 Oak of the submitted MWA Arboricultural Report Works: Remove (fell) to near ground level. Owner to physically remove any regrowth (no chemical treatment due to translocation risk). Reason: Clay shrinkage subsidence damage at neighbouring property 155 Court Lane, SE21 7EE. NOT: Application is also being made to Dulwich Estates.
Pending
26/AP/3281
Installing a new set of doors and a new window.
Pending
26/AP/3260
Tree ID 8517 A Silver Birch tree approximately 10m in height, situated in the rear garden on the near right-hand side by the pavement. The tree is sparse in leaf and dead wood prevalent.Remove to ground level - tree is in severe decline . Height 10.0m. Crown spread 5.0m The following three species are suggested for replanting: Prunus padus (Bird Cherry) Malus Royalty (Upright Crab Apple) Arbutus unedo (Strawberry tree)
Pending

View Planning Timeline

Ownership

Corporate Ownership74.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-04-14
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£43,006

Population Density5,942 /km²

Owner Occupied70%

Age Distribution

0-15 20%16-64 67%65+ 13%

View Area Profile

Schools Nearby

Heber Primary School
0.2 mi
Good
St Anthony's Catholic Primary School
0.3 mi
Inspected as St Anthony's Catholic Primary School (URN 100852) on 25 Nov 2021
Harris Primary Academy East Dulwich
0.3 mi
Outstanding
Alleyn's School
0.3 mi
Inspected by ISI

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

View All Schools

Comparables

View All

278 Lordship Lane
-
£780k
-
308 Lordship Lane
-
£1.00M
-
320B Lordship Lane
-
£375k
-
270B Lordship Lane
-
£683k
-

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