Flat 4, 551 Lordship Lane, London, SE22 8LB

UPRN:200003444435Flat/MaisonetteBeds -Built 1900-1929

Tenure: -Council Tax: Band BEPC: D (65)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 4, 551 Lordship Lane, London, SE22 8LB

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£448,000

£359k - £538kLow

Estimate

£448k

Range

£359k – £538k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

1.85%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 82/100. 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. 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)Defra 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

82/ 100

Strong

Investment Score

79/ 100

High

Crime Score

25/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 56Bike 69

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£450,000-£1,300,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£1,300,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,850-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £465,050
Net cash flow: -£3,003/mo
Cash on cash: -7.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.46 - below 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£448,000

Rent Estimate (pcm)£2,000

Gross Yield1.85%

1y Growth-

3y Growth+2.5%

5y Growth-0.2%

10y Growth+1.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0SE22 8LB

Approval Rate

-12mo

Development

low

DC/26/145933
Schedule 1 application for the construction of a single storey rear garden outbuilding at 90 Wood Vale, SE23.
Pending
DC/26/145909
Schedule 1 application for the replacement of the existing windows and rear door on the property with new slimline double glazed timber framed windows on the front elevation, uPVC framed windows on the rear elevation and a new uPVC door on the rear elevation at 3 Mount Ash Road SE26.
Pending
26/AP/3189
Details of condition 4 (Pre commencement site meeting) as required by planning permission ref. 26/AP/2437 dated 15/10/2026 for 'Erection of single-storey seperate rear extensions to both properties following demolition of the existing single-storey rear outriggers, construction of detached garden studios, associated hard and soft landscaping works, and removal of existing rooflights with the installation of replacement and additional rooflights within the existing loft spaces'.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,006

Population Density8,267 /km²

Owner Occupied47%

Age Distribution

0-15 18%16-64 71%65+ 11%

View Area Profile

Schools Nearby

Horniman Primary School
0.4 mi
Good
Eliot Bank Primary School
0.5 mi
Good
Goodrich Community Primary School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Anthony's Catholic Primary School
0.5 mi
Inspected as St Anthony's Catholic Primary School (URN 100852) on 25 Nov 2021

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

565 Lordship Lane
-
£410k
-
559D Lordship Lane
-
£470k
-
545 Lordship Lane
-
£217k
-
545 Lordship Lane
-
£197k
-

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