Flat 69, Ruskin Park House, Champion Hill, London, SE5 8TH

UPRN:200003463145Purpose Built Flat2 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band CEPC: D (67)

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

Flat 69, Ruskin Park House, Champion Hill, London, SE5 8TH

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

19 of 21 sources

Sale Estimate

£474,000

£451k - £498kHigh

Estimate

£474k

Range

£451k – £498k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

6.45%

Verdict

Derived from HomePortfolio scores

Flat 69 earns an AVOID rating with HP Score 81/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (82/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

82/ 100

High

Transit & Bike

Transit 49Bike 79

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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge1.1/15
claims [AVM +1.9% (HIGH), sold-comps +1.3%, £/sqft +1.3%] → measured edge +0.21pp 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 200003463145· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.3%· as of 1 Nov 2026
Rental economics10.7/40
gross yield 6.5%; range width penalty ×0.92
- valuation_snapshotsrent estimate 2500/mo (range 2300-2650)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -254/mo, -10% 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: 0 price cut(s), 53 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 & liquidity14.7/15
299 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

£349,000£535,000

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£465,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,300-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £154,050
Net cash flow: £161/mo
Cash on cash: 1.3%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.59 - 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 200003463145Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2500/mo (range 2300-2650)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 2500/mo (range 2300-2650)
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. 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.
3. 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£474,000

Rent Estimate (pcm)£2,500

Gross Yield6.45%

1y Growth-

3y Growth-0.6%

5y Growth+0.1%

10y Growth+0.4%

Last Sold Price£175,000 (2004-06-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SE5 8TH

Approval Rate

-12mo

Development

low

26/AP/3271
Existing combustible materials contained within external walls and balcony surfaces are proposed to be replaced with non-combustible materials. Replacement materials to match the existing appearance as closely as possible.
Pending
26/AP/3255
Construction of a dwellinghouse with air source heat pump and solar panels. Associated works include landscaping, refuse and cycle storage.
Pending
26/AP/3250
Details of Condition 1 as per drawing for full planning permission 25/AP/1048 dated 26/06/2025 for Repair of three York stone steps leading up from ground level to the front door of the building
Pending

View Planning Timeline

Ownership

Corporate Ownership58%
Overseas OwnershipNo
Lease Term Remaining45 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-06-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,006

Population Density8,504 /km²

Owner Occupied65%

Age Distribution

0-15 15%16-64 72%65+ 13%

View Area Profile

Schools Nearby

The Hospital and Home Tuition Sick Children's Service
0.1 mi
-
Lyndhurst Primary School
0.3 mi
Good
Grove Primary School
0.3 mi
Inspected as Dog Kennel Hill School (URN 100786) on 23 Feb 2022
St Saviour's Church of England Primary School
0.4 mi
Good

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Ruskin Park House Champion Hill
-
£440k
-
Ruskin Park House Champion Hill
-
£370k
-
Ruskin Park House Champion Hill
-
£357k
-
Ruskin Park House Champion Hill
-
£470k
-

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