198A Crystal Palace Road, London, SE22 9EP

UPRN:200003448020Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band CEPC: C (70)

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

198A Crystal Palace Road, London, SE22 9EP

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£507,000

£482k - £533kHigh

Estimate

£507k

Range

£482k – £533k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

5.56%

Verdict

Derived from HomePortfolio scores

198A Crystal Palace Road earns an INVESTIGATE rating with HP Score 84/100. Investment score 82/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (86/100). 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

84/ 100

Strong

Investment Score

82/ 100

High

Crime Score

24/ 100

Moderate

Walkability

86/ 100

Excellent

Transit & Bike

Transit 58Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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: 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 +6.3% (HIGH), sold-comps -10.2%, £/sqft -10.3%] → 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 200003448020· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18%· as of 30 Oct 2026
Rental economics3.7/40
gross yield 5.6%; range width penalty ×0.84
- valuation_snapshotsrent estimate 2200/mo (range 2000-2400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -517/mo, -23% 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 12 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 203 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 & liquidity14.6/15
275 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

£356,000£546,000

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£475,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £2,000-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£80/mo
Cash on cash: -0.6%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 200003448020Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 2200/mo (range 2000-2400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 Nov 2026

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 2200/mo (range 2000-2400)
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.
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£507,000

Rent Estimate (pcm)£2,200

Gross Yield5.56%

1y Growth-

3y Growth+2.5%

5y Growth-0.2%

10y Growth+1.6%

Last Sold Price£425,000 (2018-09-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SE22 9EP

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